Well said. Personally, I make a point of never letting my liquid savings drop below $10k. That's a full year's travelling money, so it keeps me perpetually in

Well said. Personally, I make a point of never letting my liquid savings drop below $10k. That's a full year's travelling money, so it keeps me perpetually in a state of "I can drop everything and go", thus protecting me from toxic consulting clients. If a relationship starts going downhill, I can simply retract my last invoice and wish them luck.