When I was earning $3,000 a month, I wasn't afraid to lose my job. There were so many $3,000 a month jobs out there! If I lost my job then, next job could even pay higher.

Now, I know for sure that if I lose my job I would probably have to settle for at least 50% pay-cut. Plus, there are fewer jobs out there to rebound to. Stress level is so much higher