Wealth becomes fragile when every dollar already belongs to an obligation.

Income committed in advance is not the same as wealth. When every incoming pound is already claimed by a payment, a subscription, or an expectation, then a good salary provides no security at all, and any interruption becomes immediate. Fragility here is about commitments, not about the size of the number.

Add up how much of your income is spoken for before it arrives. If the answer is nearly all of it, reducing one fixed obligation buys more safety than increasing income would.