[elmarschraml]

- Savings: a few months' living expenses in a readily available cash account. What happens when you suddenly finding yourself having to pay a few hundred or thousand bucks for an emergency? Not having savings means "Panic mode / scrimp and save / have to get credit". Having savings means "a number in my back statement changes, but does not really affect me"

- Access to experts: anything from doctors to lawyers or accountants to a bike mechanic or plumber. When you're faced with a hard problem, it's really comforting to know that you can get expert help rather than having to meddle through yourself.

- Time: Could be hiring a cleaning lady, so you don't have to spend time on your weekend cleaning your house. Or daycare for the kids, so you can get a break from watching the kids and do grown-up things for a while. Or just taking an extended unpaid vacation to unwind for a bit.