Significant life turning points typically cause individuals to think about what may fail in their lives, as well as what is going well.

None of us ever know what living is going to throw at us next. While we might be hoping for excellent things-- like a pay increase at work, an enjoyable holiday or a brand-new relationship-- none of us know what is around the corner. It is completely possible that you may find yourself in an accident or getting sick. In the worst case scenario, you…