Odds of Hanging On
Having a locksmith on call is always handy, but what can you do to make sure you aren't just handy, but necessary? Get yourself certified. The Associated Locksmiths of America is an organization of professional locksmiths that offers certification courses for the serious keymaster. Take classes, apply for those certifications, and keep up with changes in security technology.
Also, try not to lock yourself out of your own house. That sort of thing gets a-round.