Much depends on the BO.
Friend of mine bugged before y2k.
A computer engineer, he was part of the fix for several companies.
When the end was nigh, he sold his house, quit his iob, bought a bunch of gold, bullets and beans, and headed for the sticks.
After nothing happened, took him almost 6 months to get back in the industry. He figured it cost him upwards of $300k between taxes, the river place and lost wages.
You can bug too early, it just depends on the situation.