I have more friends than I thought I had, but less than most people think they have. It pays to doctor a cut immediately. You cannot cover every contingency. You can only cover the big ones, if you are diligent. It is not good to be dependent on the water utility.
Poetry can heal.
Humor is more important than money. No one is an island. Making a pencil is complicated. My computer is a slave, who may soon rebel. Solar power, vegetable gardens, homemade soap, etc., are untaxed income.