I agree that having a back up plan for any business is a good thing within reason. As you mentioned, what is "now" today can become "yesterday" so quickly that it can make your head spin.

Looking at the recent events on Wall Street for example, it wouldn't matter if you were a technician, a trader, or just the guy down the block selling hotdogs. These shifts in economy affect us all, with an equal potential for success or failure, depending on what business one happens to be in.

A back up plan would be a good thing.