Having been layed off myself, I have learned from past experience. I have made sure that I have several "on tap" job back ups - I have and maintain a CDL. I can weld or do finish / cabinet woodwork.

I also have been getting my nursing degree as nurse mike was saying (been a cop and firefighter) and everything he said is true. Excelent advise Mike!

Having been in school, we are living off one income (it is tight) but we are doing it. We are going to maintain this current debt ratio, and hopefull we will not be concurrently out of work.

We also try to stay 3-4 months ahead on the morgage. It is a nice buffer to have "just in case!"