"If you can't say anything nice, don't say anything at all."
This is the kinda stupid crap that people who can't contribute much say to each other. It's the kinda crap you tell kids when they are five or six so that they don't say mean stuff to each other all day long, not for intelligent adults. Why do we have to say nice things to each other if there isn't anything nice to say or if what we have to talk about isn't particularly nice but must be discussed? Living this kind of "reality" puts you in a place where the only thing you say to each other is inane and utterly meaningless the majority of the time.
If you want a better axiom to live by, it would be "If you don't have anything to say that would contribute or enhance the discussion (or at the very least, correct), then don't say anything at all."
Furthermore, "Your last comment is the precise definition of emotional intelligence, which I am lacking" speaks volume of what else is lacking. Abge's comment has nothing at all to do with emotional intelligence but rather predictive logic. If one logically thinks about the uncertainty or hardship the future may bring, then one would do one's best now to clearly prepare for it. It is certainly just a logical conclusion to life's challenges. Emotional intelligence has to do with, ahem, emotions. One such definition is the ability to identify, assess, and control the emotions of oneself, of others, and of groups. None of which has to do with thinking about the reality of the future and the present. Emotional intelligence would be related to whether or not one is actually able to sacrifice one's present wants and needs so that one is more likely to be prepared for the future, but the thinking about doing so is logic.