mean turkeys can fly. Just because some wild-eyed theory of investing, borrowing, and living without cash reserves works in good times doesn’t mean you can survive a storm. Remember, your ways of handling money have to work in good times and in bad. Skinny-Dipping Warren Buffett has a great saying: “When the tide goes out, you can tell who was skinny-dipping.” I have taught for years that if you have a bad map, you will be late for—or completely miss—the party. The principles that you build your life