But move into recession or recession like economy, layoff's ticking up as are now, stagnation or recession.....

Death, divorce, fire, home sale, floods,layoffs, etc.

Quote from @Don Jackson: Hey Team,Long time lurker, first time posting, so I'll start with my "why(s)".Earlier this year, my employer had a round of layoffs; thankfully, I made it through unscathed, but I realized how much I disliked letting a company have that much influence over my family's wellbeing, so I decided I needed to diversify my income.

Layoffs will happen soon?

The tech industry never fully bounced back since the layoffs started in 2023. 

The issue is that I am impacted with recent layoffs at my company.

People with high paying tech salaries are one layoff away from being in a terrible financial situation and what if one parent wants to stay home with the kids Just because a lender approves you that doesn't mean it's a good idea.  

And while some are exploring HELOCs as a precaution, many are trying to “ride it out,” not realizing how quickly one unexpected event—a roof, a layoff, a medical bill—can throw everything off balance.The emotional weight of financial stress is real, and unfortunately, many wait until they’re in crisis to ask for help.

The fed's cut will be too late and they will be playing catch up, as defaults and Job Layoffs continue to mount. 

Quite a wild ride the last few years.Im not surprised about Sacramento, lots of super commuters go to Bay area, there's been quite a few layoffs in tech.