In the winter of 2009, a large passenger plane made an emergency landing in New York’s Hudson River. The pilot, Captain Chesley Sullenberger, who landed the plane safely with no casualties, was later asked about those moments in the air when he was faced with a life-or-death decision. “One way of looking at this,” he said, “might be that for 42 years I’ve been making small, regular deposits in this bank of experience, education, and training. And on [that day] the balance was sufficient so that I could make a very large withdrawal.”

Most of us will at some time face…