I notice that when I have a little bit of a cushion of cash that I am less anxious and find it easier to work. It isn't really safety, that comes from a different realm, but it feels like it. But knowing that rent is covered with a bit of runway is a good feeling. They want us to be permanently in fear of homelessness and hunger, so we are in a low vibe and unable to resist.
Yes and the stress of missing a day due to sickness, an appointment, or what-have-you is hard.