Answer:

• Expecting you can speed 20 miles over the speed limit without getting in a car wreck, despite others you know having been in high-speed wrecks.

• Convincing yourself that it will be easier for you to buy a house than it is for others, even if you haven’t saved much money for a down payment.

• Imagining that you'll live to very old age despite knowing that others in your family have died young.