Beyond Layoff

Laid off after 25 years in tech, a software engineer shares how a 50%+ savings rate turned job loss into a calm transition. Drawing from his YouTube video transcript, this article outlines the practical strategies that built his financial resilience. Escape Debt Slavery High consumer or educational debt drains savings and creates anxiety, preventing emergency funds from forming. The engineer and his wife faced over $150,000 in school loans post-marriage, amid a pregnancy and post-2008 financial crash instability, with $1,000 monthly interest alone. They slashed spending to $100 weekly beyond rent, worked 80-90 hour weeks—he at his day job, nights building and selling simple Android apps like timers and bird identifiers for $1-2 each—and used a debt snowball method to pay off loans in two years. Smart Housing Choices Buying over renting often saves more long-term, but avoid maxing affordability. Using the "80/20 rule," they bought a modest short-sale house with a big yard in a...

The pursuit of higher education beyond one's home country offers a myriad of opportunities for personal and academic growth. By some accounts, over 500,000 Indian Students study in Universities across America. Amidst the excitement of studying abroad, it is essential for students to prioritize their safety and well-being. "Staying safe while studying abroad" is a critical aspect of the international student experience that requires proactive measures, cultural awareness, and a commitment to personal security. Mohan Krishnamoorthy , a Tech Executive who has lived and worked in a dozen countries across three continents and has done an MBA in the US shares his opinion on the recent incidents of death of Indian student abroad  Know your surroundings and neighborhood – talk to locals for tips  Share your tips and experiences with fellow students   Do not be desperate for that extra dollar  If you really must work outside campus, take safety precautions ...