Do you know when to risk it for the biscuit?

It starts with knowing what your level of responsibility is. Are you young, living at home, and haven't started a career yet? Maybe you're single, have a good paying job and rent. Married with kids and a mortgage? Here are some key takeaways for how to maneuver through risk v. reward in different areas of your life:

1. What is the reward?
2. What is the risk?
3. What am I missing? What don't I know about the situation?

*Bonus* - Doing nothing is a risk as well. Doing nothing is not "safe".

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