Defenses against storms and floods, built on past events, will fail
unless emergency planners use forward - looking data that account for rapid climate change
Financial
planners don't recommend cash - value life insurance as an investment
unless you've maxed out contributions to tax - advantaged retirement accounts, such as IRAs and 401 (k) s, have saved for
emergencies and other pressing needs, and are able to commit to a policy for the long term.