Yes buy simplified, that is like saying, if you are doing well you are doing well, and if you are doing poorly, you are doing poorly. I think it makese sense

Yes buy simplified, that is like saying, if you are doing well you are doing well, and if you are doing poorly, you are doing poorly. I think it makese sense to consider, what is your disaster scenario? What would it take to go from doing well, to not do well? For example, a crippling accident that handicaps you so you can no longer make a living doing the thing you are specialized in today. How would you fare then? This counts to me as more important than whether I can afford this or that car, and so on.