# Risk management checklist

This is a list of everything necessary to [manage risks](safety.md) that may come from [unknown sources](unknown.md).

[Organizational needs](mgmt-1_why.md) tend to practice this list as well, but *way* more in-depth with entire departments managing them:

- Occupational risk - the risk of doing something in the first place
- Inherent risk - the raw risk before any controls are put in place
  - Residual risk - risks that still exist after placing controls
- Operation risk - the chances of an organization's procedures failing
- Concentration risk - too many assets connected to one entity/client
- Legal/Compliance risk - the chance of lawsuits or [legal action](legal-safety.md)
- Reputation risk - the dangers of a defiled [public image](image.md)
- Strategic risk - the risks that come from any type of [internal changes](mgmt-7_changes.md)
- Global risk - the dangers from worldwide events
- Competitive risk - issues that may come from competitors acting against the entity's interests

Risk management involves treating or avoiding loss exposures:

1. Avoiding risk - simply *not* performing an activity that could carry a risk (e.g., general safety practices, [legal safety](legal-safety.md)).
2. Reducing risk - using risk control techniques to mitigate the scope of those risks (e.g., preventative efforts, installing fire sprinklers, security systems).
3. Retaining risk (self-insurance) - holding yourself financially responsible for all or part of a risk (e.g., [saving money](money-4_spending.md)).
4. Sharing risk - proportionally distributing risk among multiple individuals according to investment or need (e.g., [communal lifestyle](home-homestead.md), coinsurance/risk sharing agreement).
5. Transferring risk - arranging a contract for someone else to [take the risks entirely](money-insurance.md) (e.g., paying a fee to an insurer, subcontracting work to another entity, a lease arrangement).

Please note, this only creates [meaning](meaning.md) if it *might actually happen*, and preferably for others' benefit, or it's simply the never-ending motivation of [fear](mind-feelings-fear.md). It's also fear when it doesn't respect others' [decisions](people-decisions.md) to expose *themselves* to risk.

Most of this checklist revolves around the [security](safety-security.md) from avoiding and reducing risk, since preventing risks is *much* less work than trying to resolve them once they've happened.

## General

- Have spares and extras of *anything* that may fail or deplete.
- Keep direct contact information available for *anyone* who may need to know information in any emergency.
- Have extra room in every system or object for growth or excessive load.
- Never permit complete depletion of anything whatsoever (e.g., refill fuel at 1/3 tank).
- Add extra time for all predicted tasks.
- Say "no" to all obligations at even the slightest chance of non-fulfillment.
- Replacing all things *before* they need [fixing](https://adequate.life/fix/).
- Ensuring everyone gets enough [sleep](sleep.md), [nutrition](body-2_diet.md), and [exercise](body-3_exercise.md).
- Never permitting any system to get to 100% utilization or capacity.
- Terminating meetings at least 10 minutes earlier than future scheduled meetings.

## Survival Basics

- Have a sufficient group of [friends or family](people-4_friends.md) you're in steady contact with.
- Maintain [cooking](cooking.md) skills.
- Consistently maintain [cleaning](home-housekeeping.md) and [organization](organization.md) habits.
- Have a [skill](jobs-1_why.md) that's both [marketable](marketing.md) and [in demand](economics.md).
- Have a well-maintained [means of conveyance](autos.md) to acquire goods you require, as well as a backup plan if it fails.

## Mental Basics

- [Inner conflicts](conflicts-inner.md) aren't enough to interfere with [creating results](results.md).
- Have [inner peace](mind-feelings-happiness.md) that's free of risk management thoughts.
- No chance of being overwhelmed by a steady flow of [information](information.md).

## Long-Term Survival

- Have all your [money-based](money-accounting.md) paperwork together.
- If any risk is likely, have a clear [plan](imagination.md) for the next step after it happens.

## Crisis Preparation

- [Budget](money-3_budget.md) for emergencies.
- Install safety fixtures (e.g., fire extinguisher).
- Keep [emergency supplies](hardship-disaster-checklist.md).
- Prepare mentally for [specific survival situations](hardship-disaster-survival.md).
- Always work with recommended safety equipment.

## Financial Protection

- Have sufficient [insurance](money-insurance.md) policies to protect all your financial risks.
  - Auto
  - Health
  - Disability
  - Life
  - Homeowners/Renters
  - Long-Term Care
- Have as few [debts](money-2_debt.md) against as few assets as possible.
- Keep enough liability insurance to protect against the most financially disastrous thing you could cause to others.
- Your [investments](money-investing.md) are diversified across safe, boring industries that serve staple needs.
- Have your retirement and [succession plan](hardship-death.md) in place.

## Specializations

- Have a network of top-class professionals to manage your things:
  - [Insurance](money-insurance.md) agent
  - [Attorneys](legal-safety.md) for *all* necessary specializations
  - [Realtor](home-buy.md)
  - [Accountant](money-accounting.md) - tax advisor, accountant, estate manager, and auditor
  - [Mechanic](autos.md)
  - [Business advisors](mgmt-1_why.md)
- Have [some type of business relationship](professionals.md) for every [specialization](jobs-specialization.md) you may need that you're not an expert in yourself.
- Your service providers are [aware of the grander purpose](https://gainedin.site/idiot/) of why they perform the service.

## Protecting From Conflicts

- Behave [appropriately](people-rules.md) and [tactfully](people-3_respect.md) with everyone.
- Have experience [defusing conflicts](people-5_conflicts.md).
- Maintain [legally safe](legal-safety.md) habits.
- Every possession you own is [legally approved](legal-doctrines.md).
- Carefully examine every [agreement](people-contracts.md) you sign, and only sign it with groups you [trust](understanding-certainty.md).
- Never [agree](people-contracts.md) to anything unless you're [fully certain](understanding-certainty.md) you can fulfill it.
- All your [agreements](people-contracts.md) are with people who [stay legally safe](legal-safety.md) and live [morally](morality.md).

## Protecting From Malicious People

- Keep your computer [safely maintained](computers-cysec.md).
- Keep your personal information private, from [scammers](social-engineering.md) and [Big Tech](faang.md).
- Keep a portable firearm, with experience using it.

## Protecting From The Unknown

- Low enough stress that won't cause a [health issue](body-4_health.md).
- Prepared for the [collapse of society](hardship-disaster-2), either through [stockpiling and prepping](hardship-disaster-3_long-stay.md) or [staying mobile](hardship-disaster-3_long-go.md).
- Reconcile with [God](god.md).
- [Speak truthfully](people-lying.md) about absolutely everything.