I’d be depressed if I was one layoff away from six-figure debt. Tech workers living in SF should build up enough savings and a Plan B such that they can easily

I’d be depressed if I was one layoff away from six-figure debt. Tech workers living in SF should build up enough savings and a Plan B such that they can easily recover from a layoff. This includes looking at where you live, big purchases, etc… Maybe a CX-5 or a hybrid RAV4 is perfectly fine for one’s needs instead of the Model X. Maybe it’s worth it to get two roommates if you’re in your 20’s - it’s not as bad as you think and you sidestep the scam that is rental prices in SF. Etc etc… Sometimes depression (and maybe low test?) can come from an actual or perceived lack of control. There are tangible steps people can take to make themselves more anti-fragile, and if you have a significant other, you need to be able to articulate why cutting back on lifestyle expenditures is necessary and can actually make you happier/feel in control of your destiny.