The replies to your comment is correct. If you are making 300k+ a year, you can borrow money easily for rainy day. I also have many close friends and I have a developed a habit of reaching out for help early when I feel mentally unhealthy. So I think "a step away from making your own life a disaster" is not likely.
"OP is on average likely to help more people" -> A few years ago, I've come to conclude that the goal of achieving "more" is a toxic goal and I've come to accept the mindset of doing just enough. Helping only 1 person is good enough for me, I don't have a desire for helping a statistically significant number of people.
"OP is on average likely to help more people" -> A few years ago, I've come to conclude that the goal of achieving "more" is a toxic goal and I've come to accept the mindset of doing just enough. Helping only 1 person is good enough for me, I don't have a desire for helping a statistically significant number of people.