I have a lot of money stashed away but I do live my life from day to day.
I never left France for Hollywood nor stashed my money in Switzerland.
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union) you need to focus more on saving money than paying down the balance on your credit cards.
The point here is that physics followed the data where it seemed to lead even though some thought the model gave aid and comfort to religion.