> Now imagine that the way it worked when you get fired or laid off is that you’re also suddenly on the hook to pay back the last, say, 6 months of your income.

> Now imagine that the way it worked when you get fired or laid off is that you’re also suddenly on the hook to pay back the last, say, 6 months of your income. It would be analogous if I were paid my annual salary upfront at the beginning of the year. But it's not.