In case you have not noticed, job security is a thing of the past. You need to be in charge of you own financial destiny. Money worry's are a growing problem for the temporarily employed and nowadays, this includes most everyone. Unless you are one of the 'lucky ones', if (or when) you get laid off, you will find out just exactly how hard it is to get another job. And if you do get rehired, you more than likely will have to accept less salary than you used to make. Even worse yet, this is only one of the 'drastic' adjustments you, and your family, will have to make once you get laid off. I know all this because it has happened to me.
Once you get laid off and begin your search for a new job, you will find out there aren't that many opportunities out there and the good legitimate jobs that are there are hard to find. If employers advertise a new job opening, they will get swamped immediately with hundreds, or even thousands, of resumes and/or applications. Most employers know this and they do not want, nor can afford, to filter through all these applicants so they go through third party hiring firms, etc. To make things even worse is that if they did choose to hire you out of the multitude of applicants, do you think they will offer you a salary anywhere near what you were making on your previous job that you worked on for the past years and years? You need to begin planning ahead and doing something about this now
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