The best insulation you can have is cash in the bank or be prepared to move.
The next crash probably won't be cyclical in your city. The money will come back, but it will come back somewhere else.
If your priority is to stay in the city where you're living, be prepared to make that work (which means being flexible about what you do), or be prepared to move (which means being flexible about where you live, and being in a relationship where moving for work is OK).
The next crash probably won't be cyclical in your city. The money will come back, but it will come back somewhere else.
If your priority is to stay in the city where you're living, be prepared to make that work (which means being flexible about what you do), or be prepared to move (which means being flexible about where you live, and being in a relationship where moving for work is OK).