We talk a lot about positive thinking on the Winner's Circle daily e-mail. Seeking to be positive and optimistic are valuable allies in keeping depression away. But is it possible to be too positive? Let's look at the idea of overdoing optimism.
 
Positive thinking is definitely a good thing, but when it comes to being positive, can you overdo it? Can you have too much of this particular good thing? Of course you can. In fact, you can probably identify plenty of people whose reckless optimism got them into trouble. How many people do you know who are "under water" on their home loans?
 
These are the folks who borrow too heavily, fail to anticipate possible problems, and never take off their rose-colored glasses, even for a moment, to check on current reality. Tough-minded optimists, on the other hand, have learned to anticipate problems. They believe in doing all they can to make a bad situation better, but even more importantly, they believe in planning ahead to avoid bad situations whenever possible.
 
So when you're planning for the future - whether it's making an investment, interviewing a job applicant, or working out a color scheme for your new apartment - think about worst-case scenarios. Ask yourself some discriminating questions like, "What potential problems exist here? How might this be improved? Is there some way this could backfire? Will this look as good to me after some time has passed as it does right now?"
 
As long as we do not dwell on worst-case scenarios, this is not negative thinking or cynicism, and certainly not borrowing trouble. This is the kind of enlightened self-interest that heads off problems before they develop.