[User23]

One obvious skill is money management. Anyone who has been at a tech company with competitive compensation for at least a year and doesn't have a minimum of one to two months of runway without unemployment, and far more with, is objectively bad at personal finance and needs to immediately shore up that skill.

Also, realize that the burnt out bum shooting up and shitting out on the street in San Francisco literally has F-you money. It's not really that admirable a goal. You should instead be figuring out what you can do to be useful to others. As an employee, that means being useful to employers. As an entrepreneur that means being useful to some subset of the population at large.

Generally speaking programming proficiency will get you a life of relative comfort, and reliably has through the past several economic downturns. There are lots of ways to specialize if that's what you're interested in. For example SRE skills are in generally wide demand.