You have to decide that you’re 100% responsible for your state of mind and for your experience of this life. - Tony Robbins

In fact, some investment advisors say the only completely safe bond is one backed by the full faith and credit of the United States. And you can actually buy US bonds called Treasury inflation-protected securities, or TIPS, that rise in value to keep up with inflation through the consumer price index.

If you don't set a baseline standard for what you'll accept in life, you'll find it's easy to slip into behaviours and attitudes or a quality of life that's far below what you deserve.

People who succeed have momentum. The more they succeed, the more they want to succeed, and the more they find a way to succeed. Similarly, when someone is failing, the tendency is to get on a downward spiral that can even become a self-fulfilling prophecy.