I have my own solo company, I send an invoice with my company details and my company's bank account number. that's it.

Then the company you own pays all these things. Not the company that hired my own company. It's more a B2B relationship than employee mentality.

I hired another startup to do all my accounting since it's really simple.

I keep some cash inside my company to pay taxes and so on. In my jurisdiction it's even cheaper the tax you pay as company than as an individual.

I have some sort of salary because my local legislation demands, but most is taken as dividends.

The spare money due to reduced costs I can also afford extra private "unemployment" insurance. One that covers two months, not even counting my personal emergency reserve.

So yes, you need to stop living by paycheck even if it means buying less stuff on Amazon.com.