- 6 months expenses in cash (I'm a consultant, so work can be inconsistent)) - invest about half of my income - have life insurance (but not disability, that's something I probably need soon) - build potentially lucrative products on the side - attend meetups relevant to my field - keep up with the latest developments in my field - exercise regularly and follow a healthy diet - have at least one backup for most problems: - if my car breaks down, I have a bike and bus pass; I've actually picked up a new battery with my bike - if my house floods/burns down, I can stay with family nearby - if my computer breaks, I can borrow my wife's or do most of my work at the library (I have a VPS that's mostly set up for my job, which I use occasionally while traveling) - I keep emergency funds in 3 different accounts, two are local, and I keep a few hundred dollars in cash at home - I have enough food in storage to last a couple weeks - we keep our car at least half filled with gas always, and I have ~2 gallons in my garage (we use it with our lawnmower, so it's fresh) - I have multiple credit cards from multiple institutions

Etc.

I can't plan for everything, but I want to make sure that I can at least survive a few months without any pay.