Freedom means being able to say no without destroying everything else.

A no that costs you everything is not really available, which means that in the situations where it matters most you cannot use it. Freedom in this sense is structural. It comes from having arranged your life so that refusing a single thing does not collapse the rest of it.

Check which of your noes are currently affordable. Where the answer is none, that is a concentration risk, and the fix is diversification rather than courage.