How about, "know that you have skills and can get a job if you are forced to"
All those things work great if you don't need money, to exchange for goods and services
Isn't it harder to make good decisions while in panic mode, thereby floating you further away from the goal of making money?
Sure, except the value of panic mode is it lights a fire under you to get out of panic mode. Whereas this feels like a long-term strategy for continuous lack of ambition, in the sense that the writer doesn't demonstrate any desire to actually earn money.