By: Revanche

Living in the time of pandemic: COVID-19 (310)

May 11, 2026

Year 7 of COVID in the Bay Area

Year 7, Day 8: We’ve finally gotten some information on the layoff. I’ll have months to wrap up work, though there’s not much of it (any?) that I care about. Now that they’ve treated everyone so badly, my obligations are to draw a paycheck and dump information wherever they want it and ride it out til the last day. I’d almost prefer that last day to be sooner so I can get on with healing and resting but it makes no sense to give up extra income while the workload is lighter than it’s ever been, ever.

When all’s said and done the package could take me through the end of February. Then… I don’t know! I threw an application into the world for a job that closes in a week. Told them I wanted only remote work and a start date in 2027. It’ll be unlikely they even bother to look at it but I redid my resume from top to bottom and went for it anyway to shake off the rust. I’ve not had to apply for jobs in 15 years, it’s been a really good run of avoiding the whole process. But it does mean I’m out of practice and need to brush up while I’m still unwilling to commit to anything.

I’ll have to actually do some math to figure out how much money we need for me not to have to go back to work, or for us to live on one income, but none of the calculators I’ve run to date seem to come up with less than 3 years from the best case lowest spend scenario.

Year 7, Day 9: Actually, having finally edited the budget spreadsheet, I think I will have paychecks through mid-February. That should feel comforting but instead the panic is eating my brain today.

Maybe a small part of it is fueled by my secret competition where I’ve been trying to catch up to PiC’s salary. He’s older than me and started out with a higher salary when he entered the workforce but this past year I finally caught up to his salary to within $200. I was so proud of that! And I knew I wasn’t going to have this job and this salary long, failure felt inevitable because of what corporate was doing. I was so proud of finally making the highest salary I’d ever made and really enjoying wrapping myself in the temporary feeling of security. Before I could get used to it, it’s gone. And that’s sad.

But now I’m contemplating making choices that make less money for my health and happiness and my subconscious has begun to absolutely freak out.

A friend reminded me that my past trauma is rearing its head: did someone else make really crappy decisions that are impacting my life negatively and creating enormous piles of work that I have to clear up? WHY YES, that DID happen. Repeatedly. I can make all the good things to do lists I want, I can’t leapfrog the grief process.

I’m sad that 1/3 of my life’s work ended in such a shitty way. I knew I would have to walk away at some point but leaving a smoking crater that someone else caused behind was not in my list of imagined possibilities. I’m so mad that they have treated everyone so badly through this process. I hate that my carefully recruited and constructed and trained team are being torn apart.

Year 7, Day 10: I’ve reworked my 2026 spreadsheet and then set up 2027 to game out the rest of my severance period, get a sense of our cashflow, and see how long we’ll last on PiC’s income after my income runs out. I had to add in a lot of recurring expenses that I don’t normally spell out to have a better sense of cashflow, remembered that at the end. If I stopped saving entirely when my income stops, then we would cash land at the end of 2027 with very little cash. If there’s no spike in spending, we could make it through the year before we start tapping the savings. What I wonder is, longer term, how long could we go before my being unemployed becomes a problem? I’m entirely unnerved by the necessity of stopping our regular savings, so that’s not great. But it is good to know that’s one lever to turn. The other lever, of course, is reducing spending but would you believe I’m so out of practice with constricting spending like this (versus just telling myself I can’t have wants) that it feels like it’s kind of complicated to manage? The simplest things to start cutting are my healthcare: therapy and my trainer. But those are the ways that I manage my health, should they be first on the chopping block?

Year 7, Day 11: A neighbor’s tree hasn’t been maintained properly and now the power lines are entangled in the branches. I used PG&E’s report it function to send pictures of the problem and rather promptly got a status update stating they agree with us that it’s both a safety concern and a violation of a safety regulation. I just checked the status of the problem today and the Remedial Action Date is 04/28/2027. EXCUSE me? The last time I popped in, it was 5-7 business days, now you’re going to take almost a year to get around to it??

Another PGE mystery: I’ve paid every bill in full. But they currently say that $1.50 from my last bill is now overdue. With a $0 balance. What??

Year 7, Day 12: I wish I could do something remote and part time and make enough money from that alone to coast but I have a lurking worry that relying on just one breadwinner is setting ourselves up for failure. In a more charmed existence, that wouldn’t be the case and we’d be fine on his income for several years. Many of my pre 30s years were very hard grinding traumatic years. Have I passed out of that or am I cycling back into that? Who knows!I’m not sure where we exist on that spectrum of luck and whatever else.

Headlines and updates on the economy aren’t helping me sleep at night. From Money Talk News, Expert warns: The 2030 economic cliff is coming for your retirement. A major economic shift is predicted to peak by 2030, driven by historic cycles and rapid AI adoption. Are you prepared for the “forced loans” that could target your digital assets? (I know something is happening because of the AI being forced down our throats but is that going to continue for the next four years or will pushback finally work?)

From Moneywise: “Goldman Sachs says the S&P 500’s run past 7,100 is ‘froth’ — Wall Street said the same just before the 2008 stock market crash”  (Ok but how many other times have they said this and did they pan out or no?)

This is getting under my skin. I’d set aside cash for this year’s upcoming large expenses and the cash left over was sent to our Vanguard brokerage to be invested. But the market keeps going up (irrationally IMO but I have thought that for the past 10 years) and I keep not committing to the transaction for the lump sum. I kept repeating to myself in the shower: Time in the market is more important than timing the market. But even being an old hand at this investing unemotionally thing can mean nothing in the face of unsettlement like the imminent end of income for an unknown period. I keep thinking “but what if we need that cash?” I think the answer is that we already have cash on hand for this specific purpose so invest it already and if we blow through our liquid savings, THEN we pull it back out of the brokerage. I suppose it just feels like tempting fate? But rationally speaking, we shouldn’t need it before 2028 and if we do then we do and out it comes. It’s not a fail to have to pull money back out, there’s no penalty other than paying capital gains since it’s a brokerage account, it’s not a retirement account with age limits.