The first pillar is avoiding unnecessary and risky activities (don't drink and drive, insurance generally wont cover your poor decisions) and take good care of your investments - these simple steps will help you prevent lawsuits before they even occur. 

I’m coming back to the Bay Area in mid July and it would be great to get together in person and grab a drink.  

@Chris Jensen I barely manage to fit it in between video games, binge drinking, and downloading movies.

Domestic Violence, drugs, alcohol abuse, etc.

Just drinks, good conversation, and connecting with like-minded individuals. 

The fact that they could take generic aspirin, a generic Tylenol knock-off and drink some coffeee to achieve the same therapeutic levels for maybe 1/5 of the price is unimportant.You can talk to these people until you're blue in the face, and they'll still go out and buy Excedrin when they have headaches.

Bill, lets go grab a drink there and see if we find other hidden economic predictors!

I enjoy video games (Destiny, NBA 2K19, Fortnite), Movies, TV and hanging out with friends over a drink or a cigar.

He stays up till early morning drinking with friends on back porch, by her room keeping her up all night.

This baby has gotten me more free valet, drinks, VIP nightclub tickets, exotic car parties,  and connections than any expenses I've had with it.