Always leave room for the unexpected. A buffer of time, a little extra money, a reserve of goodwill.

You won’t be maximizing every opportunity or squeezing out every last dollar, but what you lose in reward, you gain in safety.

Survival is the highest return of all.

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About the Author

James Clear writes about habits, decision making, and continuous improvement. He is the author of the #1 New York Times bestseller, Atomic Habits. The book has sold over 20 million copies worldwide and has been translated into more than 60 languages.

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