In addition it’s insurance against the unforeseen layoff or long term illness.

But with mass layoffs at huge companies poping up every week, the fed continuing to raise rates and forecasting more rate raises, and the potential for a large number of people being overleveraged in debt... 

If we take too long to adjust for that we'll see exponentially higher bankruptcies and layoffs.

Just look at Robin Hood, Coinbase, etc. 

Decrease expenses, which the number one expense for companies is employees, which means layoffs.

A town like Motor City when layoff starts all tenants are out of work.

Right now the stock market hasn't reflected reality at all, you are just slowly seeing companies ease into layoffs. 

GM already decided to layoff 2000 employees over the strikes.

My husband is currently 7 months into his 2nd lay off in the last 2 years - the tech and HR industries have gone through significant layoffs in the last 2 years, lots of unemployed professionals out there despite what the labor indicators are saying.

Grew up in this area, went to college in San Antonio, and came back because I like it so much here.I was recently part of a whole-site layoff at BlackBerry, which is when I started looking closer at real estate investing.