Financial analysts always say, "Have a cushion" in case you get fired, laid off, sick, etc. Do you have a cushion for not getting a "cost of living" raise, health-care increase, loss of spousal employment, etc.? When the crunch hit in 2008-2009, I was "somewhat" prepared. Cars were paid off, one credit card with minimum balance, spouses job cut back on overtime, all our bills are current. House will be paid off in five years, so that will be one less worry, when and/or (((( if )))) we/we can retire. *smirk* Thank goodness we haven't had any injuries, illnesses, no prescriptions, etc. Try to eat right, exercise, no smoking, very little drinking. Our bundles of joy are out on their own, making their way ((( please don't come back home ... love ya ))). We can live off my check, without overtime. I'm grateful that we don't try to "keep up with the Joneses". I wasn't a happy camper, when I had to switch from the "Employee/Spouse" to "Employee/Dependents" insurance ... what a crock!!! But that's just another way for Freddie to get more money. So I went to the "less expensive" insurance; figured I'd been paying for "PREMIUM" all those years and never even needed it (could have purchased a new car with that money). What are you doing different, since Freddie has given a whole new meaning to "Live Within Your Means?" I've read a few stories and it's disheartening, to say the least.