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4. They plan for financial misfortune.
4. 他们未雨绸缪。
It may look as if financially happy people have zero financial worries. But they know that misfortune can happen at anytime, and they take steps to protect themselves and their families against unforeseen events.
经济状况良好的人看起来没有财务上的担忧。但他们知道不幸可能随时发生，为了应对无法预见的事情，他们会采取措施保护自己和家人。
For example, they will have life insurance to protect their spouses and children in the event of an untimely death. And they will have set aside a cash reserve as backup in a financial crisis. Careful preparation provides peace of mind.
例如，他们担心自己过早死亡，所以会买人寿保险保护配偶和孩子。而且他们为金融危机留有预备金。精心准备会带来心灵上的稳妥。
