You don't need one. I stand, b/c of a KNOWING I have. This is not b/c I have an understanding about how it will all turn out. Most of the time I think he will go and we will get a D and so forth. When I think these thoughts, I catch them as early as I can and if nothing else I think of shreaded wheat (as a way of clearing my mind). I do believe we create what we think, so you have to catch the negative and replace it. Preferably with positive, but at least get rid of the negative.
I agree you have to protect yourself and kids financially. Bottom line (from my perspective anyway), is to think about where you want/need to be and take the steps to get there. Don't operate out of fear. I have had a tendency to do that. I may still in the future, but at least I'll be aware of it instead of it being a knee jerk response. We all just do the best we can.
