Is going back into a financial crisis worth it to be safer?

Is going back into a financial crisis worth it to be safer? At the start of the pandemic we were nearly homeless and our income was super low at $37k (long story where I was unemployed and then had to get a Walmart job in the inbetween). We got into a low income housing unit and from there we have worked incredibly hard these last 4 years to pay off our debts and get better and better jobs. We now make $...

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