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To be financially secure, do you work harder at anticipating risks so you can avoid them, or at building a cushion so you can withstand the unexpected?

Which do you think might work better and why?

I know choose to build a cushion so that I can withstand the unexpected is the way I want to achieve on but I still work so hard at anticipating risk just to avoid them to happen. I think build a cushion much more better because I can't always foresee what's the unexpected will happen in the future and what if I really can't work already then what is my next plan to overcome the risk so the rational choice will be build a cushion for myself in financially secure. 

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