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How much wisdom is in the old saying, “plan for the worst, but hope for best”? In this episode, Julien and Kiersten Saunders (@richandregular) argue against our cultural staple of indefinite optimism. There is now enough data to suggest that most working-age American’s financial forecast should include plans for a sudden job loss or significant disruption income. Nobody likes to imagine the worst case scenario, but it may be the key to building financial resilience.  We cover:  Income volatility and the probability working-age American’s income is likely to be disrupted The most vulnerable demographic groups for wage stagnation  What the ‘Two Income Trap’ is  How to practice pessimism in the short-term and the long-term  Full show notes and resources can be found here: www.richandregular.com/listen  Connect with us in the Success Achievers Community where we host monthly training on a range of topics! It’s completely free to join and there are opportunities for networking, courses and special events. Visit: www.richandregular.com/achievers This episode is sponsored by BELAY. Text the word SUCCESS to 55123 for your free download from BELAY or visit belaysolutions.com/success See omnystudio.com/listener for privacy information.