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...who really are responsible for their own disasters.

After the meltdown started about 4 years ago, I quickly lost count of the people who "lost it all" so quickly. And it certainly wasn't because they weren't making enough before that to get by; most had big new houses, new cars, nice vacations and all the cool toys. The one thing they didn't have was money in the bank and "net worth". Their lifestyle was 100% realtime-dependent upon their paycheck, and all it took was one bump-in-the-road to derail it all.

(had to throw in a few metaphors!)

Anyway, one of the seemingly oxymoronic benefits of being an "independent" is that you always have to be prepared for at least some of your business to not be there. The bumps should neither be a surprise or a tragedy that leaves you homeless in 4 weeks.