Build optionality before urgency.

Options built calmly are good options. Options built in an emergency are whatever you can assemble in a fortnight. The time to create alternatives is when you do not need any, which is also when the motivation to bother is lowest.

Do one thing this month that increases your future choices and has no current use. Keep a relationship warm, learn something adjacent, set aside a little. Urgency is a terrible time to start.