And you know what that means? If you are a salaried worker this money is coming out of your pocket! Think about that! Everybody should plan for occasional unem

And you know what that means? If you are a salaried worker this money is coming out of your pocket! Think about that! Everybody should plan for occasional unemployment and there are two ways to go about it: 1. You save a year worth of expenses all by yourself, and live on that when hard times come. 2. You don't save, but the government saves for you (directly via payroll tax or indirectly via unemployment tax). On the surface the two approaches are equal as far as worker is concerned. And yet! In the first case once you save enough you could stop saving and enjoy the surplus, but in the latter case you can't stop saving no matter how much you "saved" already. Just one more benefit of working for yourself. Employment is such an archaic concept.