[ThrowawayR2]

>Many people don't have guaranteed room and board for that long.

If a person has been in the industry for more than than three years and doesn't have 3 months cash reserve saved up[1], they are severely mismanaging their finances. _Particularly_ since we're seeing increasing warnings from the financial sector that we're in a bubble already.

[1] barring some unexpected catastrophic expense

[wolfgang42]

Whether or not they have it saved, they still have to spend it.