Your plan for economic disruption.

[glatt]

Right now, things are still active at work. Clients are scrutinizing bills more, but I think they are still paying them. We have reduced our number of temporary employees through attrition. Just haven't brought in any new temps as the old projects dry up. Keeping our own staff busy instead.

I've been at the same law firm for 17 years, and they have never laid anyone off during that time. I imagine that if layoffs start, I've got enough seniority that I'd be one of the last to go. However, If they decide that they want to get rid of the dead wood, as middle management, I may be one of the first to go. They might just invent a reason to fire me. That would be the worse case scenario.

If that happened, I'd try to get any job I could. If I needed to, I'd dip into my 401K to try to get by. Currently, there's enough in there to last for about 3 years.

We live frugally as it is, so not too much room for easy belt tightening for us. This year, we have dialed back Christmas considerably. We were never crazy spenders at Christmas, but we're spending even less this year.