““Umm, yes, the stock market crashes, layoffs happen, injuries happen, illness happen. That’s part of the game. You need to build your life so you can weather these types of events. Build safeguards so you’re okay even if the market crashes (no excessive leverage), even if you get laid off (savings + be in demand for your skill among good people), you get injured (have some cross-training ability and switch sports for a bit while healing), or illness (be ahead of schedule, not behind/frantic, so things don’t all break when setbacks occur). ””