Another way to be prepared is to think negatively. Yes, I'm a great optimist. but, when trying to make a decision, I often think of the worst case scenario. I call it 'the eaten by wolves factor.' If I do something, what's the most terrible thing that could happen? Would I be eaten by wolves? One thing that makes it possible to be an optimist, is if you have a contingency plan for when all hell breaks loose. There are a lot of things I don't worry about, because I have a plan in place if they do.