Financial planners never tire of asking us to buy protection, as life is hard to predict. But there’s no insurance against certain insidious challenges that only the human will can battle and overcome. Planning one’s finances diligently may help tide over the financial impact, but that’s only half the story. While clichés are not the best way to underscore the point, in this case, it wouldn’t be wrong to say “when the going gets tough, the tough get going.”