It is the duty of all persons, when affairs are the most prosperous, then in especial to reflect within themselves in what way they are to endure adversity.

The best moment to think about a bad year is during a good one. When things are going well you have the money, the calm and the spare attention to consider what you would do if the work dried up or someone fell ill, and none of those are available once it happens. Planning in a crisis means planning with the worst possible equipment.

So take an hour while things are steady. Write down what three months without income would actually require, where the money would come from, and who you would call. Then put it away. The value is not the document but the fact that the thinking has already been done.