Your life could change in an instant -- preparedness

"Your life could change in an instant."

People always think of the worst when they say this -- a dire diagnosis, a car wreck, murder.

It also means, however, that our lives could change for the better in an instant -- a windfall of money, a job offer, a baby in the family. Is it a sign of pervasive pessimism that we can only think of the negative implications of the phrase? 

Yes, I think people are born pessimists. I think it's a survival mechanism, because without the belief that bad things can happen unexpectedly, we won't prepare for them. Disaster preparedness (knowing where the fire exits are, packing a "bugout bag" in case of evacuation, having a plan for tornadoes) is a good example of preparing for the unexpected. Insurance is another example. Without the belief that one's life could change for the worst, would people invest the time and money to mitigate the unexpected calamity.

But people have to prepare for good things as well, although we don't think about it. If one wins the big lottery, one must have in place plans like investment, legal issues, and dealing with family members. An unexpected baby requires a reallocation of money. One can't place the plans unless the good thing actually happens, but one can set in the first steps -- finding a good lawyer and accountant, allowing for savings to mitigate the financial effects of a baby, agreeing to rules about how to deal with the surprise discovery.

The key is to anticipate possible events, both good and bad, and set things in place. There's always an event that will surprise people, but setting in place the acknowledgment that surprises need plans will help deal with the unexpected -- even the good unexpected.