4.R—Reserves. A great life is the result of having reserves—reserves of things, time, space, energy, money. With reserves, you acquire far more than you need—not 6 months living expenses, but 5 years worth；not 15 minutes of free time，1 day. Reserves are important because they reduce the fear of consequences, and that allows you to make decisions based on what you really want instead of what the fear decides for you.