Death and taxes are the only certainties in life, they said. But if there's ever a third that comes close, it's financial setbacks.

We would all hit a snag - both self-inflicted and cyclical - at some point in our lives; if the rampant headlines about the Covid-19 aftermath isn't already a grim reminder, no one can truly say they are safe from retrenchment, cashflow meltdown and abrupt medical scares.