Notice the thinking that Bill Gates had in his business. It's why I pick stocks like we do (cash rich) and why I encourage you to run your own personal business like he did:

I always wanted to have enough money in the bank so that even if our customers didn’t pay us for a year, we could still keep paying everyone and doing the [research and development]. So I could still be viewed as conservative. I always had to be careful that we wouldn’t hire too many people. I was always worried because people who worked for me were older than me and had kids, and I always thought, “What if we don’t get paid, will I be able to meet the payroll?” So I was always very conservative about the finances.