[rconti]

I've got a huge housing payment now, but I've also got money in the bank.

I'm not worried at all. 2008 was nothing but a blip. As I mentioned elsewhere, I don't personally know any tech workers in the valley who lost their jobs. People always freak out for no reason.

However, because hiring was down, if you WERE one of the unlucky 5 or 10%, it takes a longer time to find a job.

Save some cash. There's plenty of time to learn new skills while you're unemployed.