It certainly does not make you healthier. Neither does it prevent bad things from happening.

Prof Scott Galloway famously canceled his health insurance and saved hundreds of thousands of dollars.

Prof Scott canceled his health insurance and saved hundreds of thousands of dollars.

Most people are not Scott. And insurance is a good idea.

But how much insurance is enough?

It’s probably a huge waste of money to pay full coverage for everything bad that might happen. It might not. And mostly, because we’re paying for doctors and patients who are good at gaming the system, taking more tests and medication than necessary, jacks up the cost for everyone.

Insurance is really about a safety net and peace of mind. But biases and conflicted interests make it hard for most insurance agents to see clearly.

If you’re seeking advice, a financial advisor is better.

A hospitalisation deductible plan that covers big sudden expenses and affords the treatment you need is a good start. It might be worth paying extra for the option to skip the queue of your public healthcare system.

But don’t mistake insurance and treatment with habits.

A fit body, a calm mind, a house full of love. These things cannot be bought — they must be earned.

Now, how much insurance is enough for you?

Problems are distinguished by the fact that they have solutions. A hole in the wall. A leaky funnel. Something to fix.

The weather is a situation. So is traffic.

And situations, unlike problems, have no solution.

Smart sailors don’t try to solve the wind. They learn it, read it and work with it. And the sailors who we didn’t hear back from ignored it.

Oftentimes, naming what we can’t change is the first step of getting unstuck.

Should your organization be disciplined or creative? Stable or nimble? Existing customers or new ones?

Self-care or community? Freedom or structure? Play or work?

The trap is thinking that we need to pick a side. But perhaps we can have both. The upside without the downside.

The interesting question is How can we dance with the tension? Can we learn to see the relationship? When have we leaned too far? And when to shift?

What if the most valuable solution is knowing what not to solve, but to manage?

A good article to get started on polarity management.

(Thank you, Debbie.)

Who was the last person you regretted meeting for coffee?

Perhaps they tried convincing you to do something you didn’t want to. They pressured, spammed and pushed you.

Too often, we mistake pushiness for persistence. In doing so, we squander our reputation and the trust of a healthy community.

The difference between hustle and persistence lies in whether people feel grateful after knowing what you know.

Think of the teacher who stays back and offers extra tuition to struggling students. Or that friend who invites you one too many times to the gym.

Be that someone who persists on behalf of others.

Hustling is not generosity.