Optimism is great, it’s good for the soul. If you google optimism, you find that “evidence suggests that optimism is important in coping with difficult life events”. This would surely be true from a psychological perspective – but what about a practical and financial perspective?


Pessimists are more likely to be prepared for the worst, because they often expect the worst. But pessimism can hold you back, plus who wants to be friends with a pessimist? When it comes to your finances and insurance, we believe we’re best to sit somewhere in the middle of the spectrum, with a healthy dose of each.

Why it’s good to be a realist:

1. You’re hoping for the best, but you’ve also considered the other possibilities.
You don’t want things to go wrong, of course, but you also know it’s possible. You have a Plan B in place if the ideal outcome doesn’t end up a reality.

2. You’re generally very easy-going, because you understand stuff happens and you’re ready for what life throws at you. Assurances (like a rainy day fund and life insurance) are looked after in the background, so you can get on with life.

3. You’re prepared for the absolute worst, because you’re smart like that.
It’s great to have an optimistic attitude, but it’s downright silly to think something positive is the only possible outcome. You prefer to be ready for anything, because there’s nothing more valuable than a backup plan when you need one.

4. You’re well placed to get something done when it’s needed. Because you’re quick to realise the reality of a situation and ready to act on it.

5. Being well organised and prepared actually stimulates your confidence, and as a result, your optimism.

Here at Apex we know that to get ahead you have to think ahead. A review with an Apex financial adviser will ensure you’re set up to look after the important stuff, ready for what life throws at us, and have your money working smarter. Get in touch to arrange a chat.