In life everybody is faced with very difficult situations, which require some tough decisions. These decisions and the potential consequences can often seem scary, either because of the unknown, or the known outcome of the decision just seems too intimidating. Without realising, some of the most daunting decisions in life often turn out to be the most rewarding ones. I would like to borrow the analogy of risk and return, which is probably the #1 commandment for investment banker - the higher the risk the higher the return (For more information see here or here). While in business this is accepted as an universal rule, in your private life it doesn’t always turn out that way, but it certainly exemplifies an important issue - many of the decision or consequences that appear particularly scary, can also hold the greatest rewards in life.