Wallet backups are important and your wallet backup importance does not depend on your income that is stable or unstable, and whether you have your fund for emergency or not. They are very different things you need to manage well together for your finance and investment capital, but let's know that they are truly different things.

You ALWAYS must have your Bitcoin wallet backups, because without backups you have very high risk in future. Your original Bitcoin wallet can be corrupted, your original device stores that wallet can be broken technically or physically, and if you don't have wallet backkups, you will not be able to recover your wallet.

How to back up a seed phrase?