Vinny is due to retire in a year, and terrified at the prospect. He’s done nothing to prepare and has nothing to go to except uncertainty, and probably a lot of TV.

Greta had been meaning to slow down and start working flexible hours for a long time, but she won’t have to bother now because stress and ill-health has made the decision for her.

Bobby had been planning a lifestyle change by turning a lucrative a hobby – she’s an accomplished painter – into her main occupation. Now she’s been made redundant and self-employment seems too risky, she’s looking for any job she can get to pay the bills.

Sadly, it often takes a crisis to get us to change, but it shouldn’t take a kick in the pants to get us moving. Change is inevitable, how we respond to it is not. Deciding to initiate change rather than leaving things in the hands of Fate puts you in control.

If you are contemplating change, don’t wait for an emergency to show how resourceful you are.