• A global pandemic shuts down racing
• Politicians cut funding to harness racing
• Injury prevents you from training / driving
• Government regulations hurt the industry
• Attacks from those opposed to horse racing
• Disease spreads through your broodmare band
• Something happens to you, leaving your family without you
• You choose to retire

As life slows down until the 2021 stakes racing season begins, let me help you plan for the “What ifs” in life.