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DIMS retorts:
'Scuse me? A little less money? Try about 2/3 less money! Her salary is more than double mine. If I were to lose my job, it would be a dent, but we could "get by". If SHE were to lose her job, then we're talking major financial upheaval.

michaelangela replied:
OK, so there's some more data. But we still haven't scratched the surface of this what-is-the-worst-that-could-happen gambit. I'm not saying that "major financial upheaval" is a walk in the park, but it's still not the end of the world.

Here's what I mean: when my DW gets to fretting** about her latest doomsday scenario, I remind her that we can always sell the house and the cars and move into my parents' basement. But it would take total and prolonged catastrophy for us to need to resort to that.

DIMS, perhaps you just wanted to let off a little steam. If so, feel free to ignore the rest of this post.

FWIW, I agree that worst-case scenario planning is in order. You see in the past I have worked in the IT field on a contract basis. The life of a contractor is wrapped around trying to get that next contract or the current contract extended. Except in times like these when contract work mostly dries up. The people who seem adapt well to the cyclical nature of the work are those people who have a plan "B." Some owned income-generating real estate. Others had contracts "on the side."

If you start planning for the worst-case scenario now, then I'll bet you'll feel a lot more in control if and when the worst comes to pass. Could you downscale your expenses now so even if your spouse lost her job you could still get by? Do you have an interest that you turn into an income generator? I realize that these are probably not easy questions to answer else you probably already would have. But the payoff is peace of mind. And if the worst doesn't happen, perhaps you'll reach MOOTFL faster due to more savings/less expenses.

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