Matt Damon has a neat commercial out sponsored by cryptocurrencies. It concludes with the phrase “Fortune favors the brave.” I looked it up. This phrase is frequently followed by “I’m all in,” or “Damn the torpedoes full speed ahead.” Unfortunately, those two phrases are followed all too often by “What was that twanging noise, General Custer?” or just plain old “Oops.” Take my advice and heed the premise that “Solvency favors the prudent.”