I would say it's premature to be going into that much planning. A lot of people think about suicide, but the difference between thinking about it and attempting it is huge. If you have a clinical depression, you're just more vulnerable to suicide. Most people who are clinically depressed don't kill themselves. But of people who kill themselves, most were clinically depressed.
Drugs can lead to suicide.
A financial crisis. Again, a single risk factor only slightly increases the odds that someone will kill themselves. I don't think a child who's 8 years old and puts a rope around his neck is completely aware of being suicidal. I think by definition suicide requires some conscious, motivational component. One of the reasons suicide begins to occur more frequently in adolescence is because puberty is associated with the onslaught of major psychiatric illnesses.