I get what it's like to live paycheck to paycheck as a teacher. In my last teaching job I lived in a very expensive town where a lot of the houses are now second homes/air bnb and my rent was extortionate. I often was out of money by the end of the month, and occasionally in my overdraft.
This summer, I moved jobs, and now I'm lucky enough not to be in that position and to have built up some emergency savings last term. It wasn't the only reason, but it was a significant push factor for me.
But if you are genuinely in the position where losing a few days pay is unaffordable, then I would suggest you need the strike more than anyone because bills can suddenly shoot up (look what's happened with gas/electric and housing costs this year), and wipe out that day's pay. This is why we need a pay rise that will at least match inflation.
I know teachers who can't afford to live in the communities they teach in, or the communities they grew up in, and it is getting harder and harder to survive for a lot of teachers, I know. Which is one of the reasons we have to strike...
But it's not a reason not to strike- speak to your union rep, or your district officers and there will likely be help available. The districts do have some funds for this.