Howard Ruff Rule of Thumb

It wasn't raining when Noah built the ark!

Warren Buffet Rule of Thumb

Always have a margin of safety, in case something goes wrong.

Quentin Crisp Rule of Thumb

Treat all disasters as if they were trivialities but never treat a triviality as if it were a disaster.

Tom Holt Rule of Thumb

Insurance is like a pyramid: huge, incomprehensible, hideously expensive, completely unnecessary, and specifically designed only to be of benefit to you once you're dead.

Patrick Collinson Rule of Thumb

Everyone should have a savings pot worth at least three months' salary to meet rainy day needs ... such as losing your job.