Check out this gripping true story about how one seemingly random decision can change the entire course of your life.

This story illustrates how good risk assessment should take into account not only the average negative outcome, but the worst case scenarios. A good question to ask yourself is “how far down is the downside?”

“Well, let me take this to a dark and tragic place,” I said before telling a group of 500 strangers a story I hadn’t talked about much in almost 20 years.