Exactly, once those are gone you're pretty much done lol. Gotta protect that stuff like it's your last dollar.

Yeah, that Cleveland story is exactly why I bumped mine up. I read this thing from a financial guy who said the old three to six months rule is kind of outdated now with how crazy costs are. He said to start with one month's bare bones bills, then aim for three months of full living costs, including stuff like pet food or your phone bill. That $1,000 just doesn't cut it for a real car repair or a job loss anymore.

My buddy lost a whole chapter when his laptop died, like ten pages of his novel. He had it backed up on an external drive, but the file got corrupted somehow. The real kicker was he'd been putting off buying a new computer for years, always saying it still worked fine. He spent a week trying to rewrite it and said it never felt the same as the first version. Sometimes the gear itself is the problem, not just the backup plan.