In this blogpost, I have a preference for unconventional, innovative views. They are more likely to offer some insight and lasting value.
— In wellness, my biggest cushion/buffer is .. BMI
But I would also point out my lifelong habits in diet, workout…
— in terms of physical mobility, my biggest defense is .. stretching practice for life
— in weight management, my biggest defense is .. timing + portion control
— I have a good appetite. The biggest defense is .. raw veg
— for my hypertension risk, the biggest hazard seems to be … emotional distress
— to prevent lost access to wechat account (important data) … the single most important thing to remember is the mobileNum xxxx5241
— for my career longevity, the biggest shield is … tech-xx absorbency for body-building contest.
Tech xx requires wellness
— risk of job loss, biggest prevention is …. company budget.
In many cases, my tech IV competence is a far more effective cushion, but here question is the Prevention of job loss.
— for my self-esteem on any job, biggest stress-protection for PIP is … my therapeutic blogging as self-help? In this answer, I accept the risk of PIP as a fact of life.
My friend Shou might say “aim to scratch some itch of the manager” but I have never been good at that.
— For the upbringing of my kids, biggest pillar and protection is … strong, lasting marriage built on health!
— for the heavy burden of college funding, first relief is … my kids won’t qualify for expensive colleges
— In family cashflow, analysis is easy. Our biggest protection is … my and wife’s career longevity.
This protection is more effective, more reliable than any government. One reason — government will not give priority to my family among thousands if there’s a pandemic, financial disaster etc.
Most of the disasters I can think of are much more than financial
— for any property investment, biggest cushion is … rental yield (see blogpost on weather-proof: rentalYield^windfall), which depends on location, purchase timing etc.
Warning — rental yield doesn’t apply so well to a home I buy for self-use so it is easy to trivialize rental yield.
— for credit risk in my investments (often risky), arguably the best alternative (as a defense) is CPF or gold. Note USD would drop if US government hits a default event.
— for retirement destination, best alternative (as a protection) is MYS
— for reliable retirement income, the fountainhead is CPF-life supported by SG economy managed by the PAP government.