In Bill Janeway’s theory of VC, startups need more cash and control during uncertainty (run fat in bad times). For individuals in the Great Weirding that probably means 2x short-term savings (6mo instead of 3mo financial planners recommend) and a side hustle for 1.5x control. 
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I honestly don’t know know how you single-paycheck types handle the monoculture risks. If you’re not in the 1% irreplaceables at a really solid big company, you don’t have enough control. Though you may have enough cash.
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I may have to start doing actual DCF/NPV analysis on personal finances soon though I find that level of discipline incredibly taxing to keep up. Oddly enough this 10-month fellowship of predictable cash flow has really thrown me off my personal finance game. It’s too surreal
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I love watching you slide into middle age. We didn’t used to get that with pre-weirding philosophers.
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i'm doing it by volume. not a big sacrifice for a single guy, though.
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