It’s tempting when the economy is struggling and unemployment is soaring to duck and cover: To hunker down in a job, talk yourself into staying safe and just hang out.

Thing is, that’s not really safe. Who says you won’t still get cut? Or your program’s funding won’t dry up? Or you won’t be considered an expendable line item — next week?

Sounds a little harsh. But I was laid off through “restructuring” three times before I was 30: once from the federal government when a U.S. Department of Labor office got chopped, once when a publishing company whacked a division and killed several new publications, and once when an investment bank gobbled another big bank and, suddenly, employed way too many people.

So I’m pretty down on the try-to-stay-safe-on-the-job philosophy. Instead, I favor calculated, but bold risks. Part of taking that kind of risk is not winging it, but assembling the pieces that — when they come together — make it look like it was mostly luck or good timing.

No question, even calculated risks can go very, very wrong. But why not figure out what you need to make your audacious idea work and gather those elements and chase it with all your might.

That’s a risk.

So, too, is wondering years or decades later what might have been, if only you’d taken the chance. The best time to take a risk is before you wistfully regret that you didn’t.