I was wiped out back in 2017. I was a web developer living in Dallas and making 90K a year. My manager and I didn't get along and I eventually ended up on a PIP. After 30 days I realized I wasn't going to meet the PIP goals and resigned before being fired. I wasn't worried, I had about 50K in cash and 20K in credit, and I surly could find a job before it ran out. I was wrong. I got very few interviews and when I did, they were more fit than technology focused. I might as well have picked a number between 1 and 100 to decide the interview.

There comes a point when you go into emergency mode and start planning for the worst. We made it to tax season and got our return. we bought a used car and moved to Tulsa, Ok for the cheaper rent. I had also spent 20 years there when I was younger and felt confident I could find a development or any job. It didn't go as planned. I got plenty of interviews, but none panned out. Many employers questioned my time without a job and I think that and my rusting skills keep me unemployed. Hell, I can't even get a blue-collar job. And it didn't help that the used car broke down and I had to walk and ride public buses every where. Now my wife works for $8.50 an hour at a diner and that's what we make it on. I'm in a worse position than before I went to college and it makes me bitter about life, people, hiring practices, and that so much depends on luck and timing.

So yeah, you never know what's coming. Save all you can and keep working towards financial independence, which is the only real guarantee.