>is having a bunch of cash on hand so layoffs and market crashes are annoyances rather than crises If you really planned well, getting laid off due to market c

>is having a bunch of cash on hand so layoffs and market crashes are annoyances rather than crises If you really planned well, getting laid off due to market conditions can be a blessing. I've allowed myself a 3 month sabbatical before and it was amazing. My costs were higher than I wanted them to be, so I started to stress (unnecessarily really) toward the end. I'm in a much better position now though. Edit: Health insurance w/ COBRA is the biggest cost. I wish the ACA would apply to recently unemployed people and apply the subsidized zero income rate temporarily, at least for catastrophic events.