Re year of expenses, I had nothing for running room in 2008. It made the stress way worse, even though I ended up keeping my job. If anyone here hasn't built an

Re year of expenses, I had nothing for running room in 2008. It made the stress way worse, even though I ended up keeping my job. If anyone here hasn't built any savings, start cramming immediately. Even a few months of extra savings can make a huge difference.