Two taps as a metaphor for income protection and income replacement for superyacht crew. One is flowing with money, the other isn't working.
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The Best Substitute Is a Replacement

What happens when your income tap stops working? You’ll have some money left for a while. But eventually, it will run out. HINT: Your ability to make money is your money tap. Illness and injury are reasons why you might not be able to keep the tap running. Short-term illness or injury, say a month or…