So many assumptions in just one response! How do you do it?! Did I say we didn’t have savings? Or we were living beyond our means? A breadwinner losing his or her job is a huge blow regardless of the circumstances. For your information, I actually never took unemployment (but it was available and available for an extended period of time, which was my point). Did I say “thank you very much” to not spending $1400 a month on health insurance for a little bit? Yeah, I did. It helped. I’m sorry you don’t believe anyone ever needs help. I’m sure your trophy is in the mail.