Agree entirely on Emergency Fund, though I'm not doing so well on the front myself. Easy credit has many of us confused on that front and it's a painful lesson.

Agree entirely on Emergency Fund, though I'm not doing so well on the front myself. Easy credit has many of us confused on that front and it's a painful lesson. And well, not everyone on HN (or Earth) is a fabulous developer, more's the pity :D Plenty of IT positions are cog-like, in the eyes of management and leadership, and people have to fight to get entry-level helpdesk type jobs around here.