The thing is that while we can and in my opinion should prepare for bad times, we can never be fully prepared and the unexpected can always happen.
This has to be one of my greatest fears about life. Unexpected occurrences. No matter how much we plan, prepare and save for those 'rainy days', the moment they come, they always hit us like a storm. But like you said, we either 'do or die'. Life, always, is worth living.
Too often it feels that we are finally getting ahead, and then the next unexpected thing arrives. It is like they have visibility on the bank account and engineer a cost to bleed it.
We always make it through though. With less money and more life.
!ENGAGE 20