Yep, this is what I do. Individual responsibility is an unpopular idea these days but the way I look at it, I am the one who is ultimately in charge of my family's wellbeing. That is far too important to entrust to a corporation's generosity or the whims of lawmakers.
I don't think its an unpopular idea. But the fact is, being an employee is a lopsided relationship. You only have one employer but they have many employees. You leave and they still have an army to keep the business going but you get laid off and your income goes to 0. So yeah you can keep some money in the bank but still being without work especially with a family and mortgage, is a terrible spot to be in.
