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I was sensible enough to invest in pensions from the 70s. during the good times I sank more than normal in, so missing a few payments in the bad years made no difference. spread the load over different portfolios and was never in debt to any degree I couldn't pay at the end of the month. Besides a mortgage on my first house.
Bought in cash a modest house at a cut price, modest car, modest studio, never bought bro drinks and even today rarely spend money. We now have more in the bank than we did when the business closed. And no worries.
Which is the benefit of being a miser. A lesson learned hard, sticks.
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