Not to scare you, but rather to suggest planning ahead and putting aside some savings. Back in the 1990s, I had a job that felt very secure and stable. Management put effort and money into developing the employees. They paid for my BS in business. We had good health insurance, life insurance, 401k with company matching, tuition reimbursement.
Life was grand.
Then someone far up the executive ladder had an idea. They sold off the part of the business I worked in and shifted to providing telemarketing services. I watched the company go from roughly 500 managers and 5,000 full-time employees with benefits to 500 managers and 5,000 part-time temporary workers with low wages and no benefits.
We felt secure, but in fact our jobs were never secure.
Think about limiting or reducing the bills you commit to long term. If you had to pay your expenses on unemployment or disability benefits, you’d probably be working with half your existing check. Can you pay the core costs of housing, utilities, food, and transportation on half your income?
Maybe your next car should be less expensive than you can currently afford, so you can still afford it in the event of a drop in income.
Avoid buying appliances on credit. Pay once, and you still have the item even if your income drops. Scratch and dent stores sell brand new appliances for far less than department stores do. Many of them are no more damaged than they will be anyway after a month of real life use.
Maybe the luxuries you’ve come to take for granted could be partly traded in for a regular deposit to a savings account. Being able to survive a layoff feels even better than a spa weekend or a weekly poker game.