I am definitely risk-averse. For that reason my savings rate is still pretty high despite a much lower income nowadays. So my only risk mitigation is "spend as little as possible without feeling deprived" - but sure, everything can crash all at once.

Because of this risk, I keep thinking about keeping myself economically relevant. I've been in this Resistance (as Pressfield would call it) limbo for almost two years but here's hoping I do something about it.