Here is the poem If by Rudyard Kipling, an English writer who won the Nobel Prize in literature.

If you can keep your head when all about you
Are losing theirs and blaming it on you,
If you can trust yourself when all men doubt you,
But make allowance for their doubting too;

If you can wait and not be tired by waiting,
Or being lied about, don’t deal in lies,
Or being hated, don’t give way to hating,
And yet don’t look too good, nor talk too wise:

If you can dream – and not make dreams your master;
If you can think – and not make thoughts your aim;
If you can meet with Triumph and Disaster
And treat those two impostors just the same;

If you can bear to hear the truth you’ve spoken
Twisted by knaves to make a trap for fools,
Or watch the things you gave your life to broken,
And stoop and build ‘em up with wornout tools:

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breathe a word about your loss;

If you can force your heart and nerve and sinew
To serve your turn long after they are gone,
And so hold on when there is nothing in you
Except the Will which says to them: ‘Hold on!’

If you can talk with crowds and keep your virtue,
Or walk with kings – nor lose the common touch,
If neither foes nor loving friends can hurt you,
If all men count with you, but none too much;

If you can fill the unforgiving minute
With sixty seconds’ worth of distance run –
Yours is the Earth and everything that’s in it,
And – which is more – you’ll be a Man my son!

This part leapt out at me:

If you can make one heap of all your winnings
And risk it on one turn of pitch-and-toss,
And lose, and start again at your beginnings
And never breathe a word about your loss;

To buffer ourselves against the future, we aim to save large sums of money. If you’re a little older, you’re probably familiar with hitting a certain savings goal and then immediately feeling that it’s not enough. Then you construct a new goal in a neverending treadmill towards safety, comfort, and stability. But as long as our present needs are met, how important is accumulation and protection of wealth? Would it really be that bad if we had to start from scratch after some large misfortune? If comfort protects you from difficulty, and therefore prevents you from risk and the growth that the risk entails, maybe betting it all on a  “pitch-and-toss” is not a bad idea.

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