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Yes, that really I think is everyone's fear.
The biggest thing in my opinion that everyone needs to remember is that one source of income is not acceptable. Internet income in general is volatile and when you have decent money coming, I think it is the time to diversify.
That way, you are not stressed about paying bills and you can tweak any problems with your new programs. Then if something awful happens like getting banned, you already have an alternative in place.
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