Not sure if this really answer your questions, but best way to plan for a financially rocky future is to invest in a house & work on paying it off ASAP IMO. I should be done paying mine off in 5-6 years (started with a 30 year mortage in 2015 for about $200k and always pay about double minimum monthly), so if that AI does come and put me out of work, at least I won't have any debt to worry about. Can survive off 10-20 bucks a day for food, and about $500-1000 / mo for other expenses, so I'd have to make about $50 / day average to survive, which is only 2-3 hours of work for most IT jobs that I've held. And I've also been dumping a ton into my retirement account during this market crash (25% of each paycheck for the last year or two). Can you believe these stock prices?? Makes no sense to me! Either we're at the end of the world, or anyone who buys now is going to be RICH once recovery happens! My deferred comp plan says I'm on track to make some ridiculous number like $13K / mo by 2045. Not expecting anywhere near that though, but if it's accurate, I'll take it!

Another great way to guarantee low cost living is staying child free. My partner and I have agreed to not have kids so that we can live more comfortably (and also helps our planet - less humans the better at this point). She doesn't have to work and can be stay at home for watching pets and house. And in 5 years when I finish paying off my house, I should be able to cut my hours back quite a bit and join her relaxing lifestyle. Looking forward to semi-retirement in my late 30's!