I dunno, in my view this seems like the sort of thing that should show up if you are relentlessly auditing your life - surely one of the pillars you would optimize for is stability, and thinking 'hey, what happens if one of us gets laid off' or 'hey, what happens if I get pregnant' or both at the same time sort of thing. Once you've worked out what the current fires are in your life, it makes sense to work out where fires could come from and do some prevention (to torture the metaphor a bit here)