Do you have enough cash on hand to survive (travel, emergencies, pay higher insurance rates and taxes) without using credit or loans for 12+ months (9 months ou

Do you have enough cash on hand to survive (travel, emergencies, pay higher insurance rates and taxes) without using credit or loans for 12+ months (9 months out, 3 months back to get a job or start a business)? If so this is a risk you can probably take. If you do not have the cash on hand it is a risk you should probably not take at this time. If you do not have the cash on hand I would recommend getting a job that pays a decent rate for a developer so you can save up to travel. If your benefits are right you can normally travel two to three weeks or more during the year but the travel would be much more emerging if you could actually take the 9 months to do so to enable you to do more. If you do have the cash on hand I would recommend you plan your travels and be on your way. Make sure you keep up on technology and keep your mind sharp if your plan is to go back to San Fransisco, CA (This is what the SF means, right?). As you know things move very quickly in the hot tech areas in the USA (Silicon Valley, DC Metro, San Fransisco area, NYC area, etc.)