I hate to be Debby downer here, but I'll give some real world examples here about people going back to work if needed. Note, this is anecdotal, but we rarely hear of FIRE fails.
When I was working as a manager of a large staffing firm, back in 2009-2014, there were a handful of times that I had interviewed people who had been early retirees.
These people had come back looking for work after the real estate and market crash and they hadn't yet recovered. These people were former accountants or finance managers and been out of the workforce for 5+ years. Previously, they would have been controllers or had experience in public accounting. Well, in the shitty work environment at the time, and the length of time people were off work, the best offers, if there were any, were to do data entry at 10-12$ / hour. In fact, in 2009 and early 2010, it was a general sales practice to "sell" former controllers at bill rates under 20/hour.
This sucked. Absolutely sucked. Who knows if these people had saved enough or what their situation was. But if going back to work is one of your options, be aware that getting a job will be hard, and it will be for way less than a previous salary. This will be especially true that the point in time when our portfolio fails, it's when the economy is crashing, and everyone will be out looking for work.
Ok, back to regular programming.
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