 to pay for this month's and next month's bills, it gives us a sense of confidence. If that goes away, if you don't have paycheck protection, which is an important element of your financial picture, short-term, long-term disability, that can wreck your financial picture big time. Here's what we do. We have protection against things like accidents and injuries, some of us do, taking away from this financial security if we find ourselves out of work.