When I was in university,
a prof told me
for our generation
full time work in the private sector
would be spotty after the age of 40
so the hubby and I built our plan around that.
I'm 37 and he's 36.

If we didn't earn another penny actively,
we'd be okay.
Not rolling in the dough but okay.

After coming back from a one month cruise
(the plan when he gets laid off),
he'll get a job selling something
(there's always something to sell)
and I'd get a job in finance,
at least until he felt safe and secure again.

If neither of us could get a job
(highly unlikely but could happen),
we'd have to dip into passive income.
It wouldn't be the end of the world
but we wouldn't be too thrilled about it
(and the hubby would work 3 McJobs at a time
before doing that).