It’s unbelievable to me how many people live beyond their means, so It’s refreshing to read your posts and realize there are still some who live in reality.
No one ever knows what the future will bring, including many top earners who were wiped out in the last recession, and other previous busts.
Even though we’ve made many investments of many types over the years, we’ve never lived beyond our means, and it sounds like you adhere to the same philosophy, which should serve you well.