4.    “I will get to it later.”
We are all busy. We all have probably 100 things on our checklist of to-do’s. The key is to prioritize the most important items and take action. Unfortunately most people focus on shortening the to-do list vs. working on the most important items. With that being said, look at the situation we currently live in; the subprime meltdown, war, political climate, fires in California…do you think lawsuits over the next 12 months will increase or decrease? My bet is that they will increase, and dramatically! When people get tight on money and are stressed they may feel like there is no solution other than to sue someone. You do not want to be someone’s lottery ticket. You may need to reevaluate the priorities on your own to-do list and ask, if I was sued today how would that affect my net worth or livelihood? Make it a priority to add extra layers of protection around your financial net worth!