You buy a long term bond or an annuity and now need the liquidity, but the value is down.  Probable consequence:  You don’t have liquidity for an emergency unless you take a loss.

You invested too much in illiquid assets. Probable consequence:  You don’t have liquidity for an emergency.

You agreed to something that conflicts with your value system. Probable consequence:  You are losing restful sleep and worry.

You plan on not dying in the near term and have put off end-of-life planning or updating your estate documents. Probable consequence:  Your loved ones have a mess to deal with and laws may prevent your desires from being carried out.

On an impulse you make an investment outside of your risk profile or without Team advice. Probable consequence:  You are losing restful sleep.

You received a nice stock buyout but you never diversified and now the investment is losing value.  Probable consequence:  It is difficult to diversify when your primary assets have lost value.

You received "free service" based on your purchase of a product, but now you realize the sales professional had a “conflict of interest.” Probable consequence:  The situation does not turn out as expected.

You didn't think through the known effects that inherited money has on some heirs? Probable consequence:  Your well-intended estate plan ends up crushing some or all of your heirs’ initiative.

You purchased a commissioned product that sounded like a good idea and you didn’t seek advice from trusted professionals.  Probable consequence:  The product doesn’t mesh with your long-term plans.