A sabbatical now may stave off not being able to work for months or years later. Possibly sooner than you think.

Another option is to dial back on committments and intensity, possibly with a reduction in income. It's no a full work cessation, but it is preserving sanity and intellectual capacity.

If your finances are stretched now, start cutting. Deep, hard, and fast.

If you've a partner, involve them in this discussion.