It is wise to set aside money for emergencies and your retirement. Just as it is wise to set aside one bullet for yourself if the emergency is more than you can handle or retirement is impossible. Who wants to have a job until they drop dead? Who wants a job at all? I would rather not have my morning coffee in rush hour traffic or at a desk while reading the daily headlines in procrastination of opening that dreaded inbox where trouble lurks like a cancer in your bowels waiting for the day when you are too old to fight back. I have witnessed growing old and feeble firsthand. I don’t recommend it; cancer always wins. I would prefer my first cup of Joe on a porch that looks out on a beach welcoming the Atlantic like an old friend who travels the world while the sand, shells and sea oats wait patiently for his return with stories of foreign lands. The prevailing sound is the enduring surf and the tireless desire of the sea to reunite with land. The soft crash of the of waves counterpoints the shrill cry of a gull and the tubular chatter of wind chimes played by a gentle breeze that carries the faint taste of salt and nori and the rain collecting in the menacing clouds forming like a fleet of gray warships on the horizon. They are too far away to worry about, though, they may sail off to sea. Perhaps the gentle breeze will blow the crisis away. I will help by blowing on the hot, black surface of my coffee steaming in the cup. In coastal towns, everyone knows you cannot make coffee using the local tap water. The salinity will give it an off taste; keep bottled spring water handy. It is wise to stock up on potable water, anyway. Especially if you are living beside the ocean with the unpredictable tempests that take advantage of her generous currents and temperatures to ride on her back all over the globe for free looking for trouble. Stock up on coffee while you are at it, although it is unwise to weather a hurricane unless you have a bullet set aside when the emergency gets out of hand.