It’s OK to say “what if”, but with a caveat. Many experts say we should never use this phrase. I say: How are you supposed to make sound decisions if you don’t know all the consequences of your alternatives? Suppose you owe money, and you can’t pay it this month. What if you (A) do nothing (then you’ll receive collections calls or have to pay fines or have services cut off); (B) remit a partial payment and hope for the best (you could still receive collection calls/fines/service cuts); or (C) call the company and negotiate a payment plan (then you won’t lose any more sleep over this debt). “What ifs” are fine, but only if you follow through with alternatives — and hopefully choose the one that lets you sleep at night.