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The old cliche is too negative...too defeatest. Let's renew our minds when it comes to planning for the adversities we will surely face in life. Instead of "having something to fall back on," let's think in terms of having something with which to keep forging ahead, undaunted and without fear.
Moreover, have a worthy goal! That of the apostle Paul is most worthy: "Brethren, I do not count myself to have apprehended; but one thing I do, forgetting those things which are behind and reaching forward to those things which are ahead, I press toward the goal for the prize of the upward call of God in Christ Jesus...looking for the blessed hope and glorious appearing of our great God and Savior Jesus Christ..." (Philippians 3:13,14; Titus 2:13)
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