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Sure you might have to practice with the ideas for a while and put such ideas into practice within your own life - without being flippant about it, and surely, you might be able to learn to take bitcoin and your cashflow seriously and even learn about bitcoin (and your own self - finances and psychology) along your journey into building up a bitcoin stash and strengthening your cashflow management systems and practices. And, yeah, all of what you do may or may not end up improving your life and giving you more options by investing into bitcoin as compared to not investing into bitcoin, as you noted that possibility to be part of the mix of things that could end up happening in your life.
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This is deep but very practical view of planning finances especially with Bitcoin because it highlights struggle between being prepared and facing uncertainty. Main goal of saving Bitcoin and improving your finances is not to guarantee huge win but to make it more likely that you will be in better situation in future. Since we cannot control everything as your point about bus humorously shows we must focus only on what we can control educating ourselves about money and Bitcoin and our own minds. Practicing balance with investing wisely and managing spending and building flexible system that works well no matter what happens to Bitcoin price. So true value of this effort is not just chance of making money but that is peace of mind that comes from preparing for unpredictable challenges of life.