Even the most diligent of us has loose ends we can tie up: unnecessary costs, insurance, emergency preparedness, and so on. I’m no different. I’m pretty responsible, but I’m not perfect. So I built a list of things I can do in an afternoon to get my shit together. This isn’t about eliminating risk from our lives. It’s about spending just a little time to build healthy buffer and reduce the risk of problems disrupting our lives down the road.