 looking at family history, forming good habits, not really a financial risk, many people think, but it can really affect your finances to a great degree. If you've had a healthcare situation, you or a family member, a loved one, you probably know how devastating that can be to your finances. What if you're working or running a business and you have a situation where you can't work, you can't perform, guess what? That can be a massive risk. So again, let's think about these things when it comes to risk.