[seem_2211]

Yeah that's 100% the truth. You also have to assume that multiple things happen at the same time - what happens if you buy a house two weeks before you get laid off at work and that's swiftly followed by your wife finding out that she's pregnant. Suddenly having 6 months worth of cash in the bank gives you a TON of breathing room.

The more we specialize, the more life becomes fragile, and the smaller the gains become. A Formula One car is incredibly fast, but the amount of attention and money each car requires is orders of magnitude higher than say a Ferrari road car, which is comparatively simple to manage.