Is it feasible to travel the country in an EV? The western states are a lot more desolate than the midwest and east. Being stranded somewhere would be very stressful.

Right, that is the other side of the inflation equation that is often overlooked; more money chasing less goods.

The classic supply and demand.

An economist I was listening to recently recommended assessing your employer's debt to equity ratio to determine its resiliency in a recession.

That doesn't really mean anything. Lots of large companies with hundreds of billions in their bank account lay people off by choice rather than compulsion when the environment ensures that they won't get too much negative press for it. Same thing happened in 2008 with Microsoft, Google and many others.

Which Google layoffs are you referring to?

Does that count for tech? I just looked at tech's and it's all between like 0.25 - 0.6 for the few samples I looked at. Netflix is 0.8 but still I think is low for most companies?

If you Google "good debt to equity ratio" one site says 2.0 - 2.5.

I'm not sure if this applies here.

> Does that count for tech?

Financial debt kills because free cash flow gets squeezed. For most tech companies, operating expenses constrain free cash flow.

Quick ratio [1] and free cash flow (or alternatively, operating cash flow) as a fraction of cash on hand (or less conservatively, current assets) would be my go-to acid tests.

[1] https://www.investopedia.com/terms/q/quickratio.asp

Yeah, think like equity analysts during upturns, and in a downturn think like credit, ie. map out the sources and uses of funds.

The big caveat here is rising rates on floating rate debt, and the marginal response of revenue to higher rates.

Can you explain that like you'd explain it to your elderly mother

A little bit more detailed than that?

I used to work for the oil industry felt (and probably objectively is) far less stable.

There are other things to look at such as how resilient their business model is, their price/ earning ratio, etc. But in general, I would say those tech companies that have huge price swings during the pandemic are most likely to going have some sort of layoff. They are the ones that most likely over-hired.

> An economist I was listening to recently recommended assessing your employer's debt to equity ratio

Do employers even offer that kind of detailed information to employees?

For a publicly traded company, that information would be publicly available, if that's what you're asking.

And at a startup, particularly an early-stage one, I would feel pretty uncomfortable if they wouldn't tell me that information in an interview.

They should -- if they are not willing to answer on the runway you probably should not join/prepare to head out.

So Apple, Google, MSFT, and AMZN?

I allocated the majority of my portfolio to the JEPI etf, which has some unique characteristics, prior to the recent correction. It hasn't gone down as much as the benchmarks and has a solid dividend based of call premiums which are higher in volatility. I'm using the dividend proceeds to dollar cost average into growth again as we cascade down.

Supplements with evidence of boosting serotonin are worth a try. It costs about $65 at Whole Foods for 2 months supply of Tryptophan, 5-HTP, L-theanine, St John's Wart. Also consider saffron extract and fish oil or falxseed for Omega-3s.

I will look into these, thanks! I have found that I feel my best when I'm taking some vitamin supplements. Very likely a placebo effect but hey, if it works it works... Also I am taking some melatonin to hopefully help with the insomnia I tend to get when going off cannabis.

I have to sign a 6 month lease today while I wait for my new construction to be built. Locked in the price earlier this month, however.

Because we evolved in tribes that competed with each other like our chimp cousins. Read "Moral Tribes: Emotion, Reason, and the Gap Between Us and Them"

Pretty much this - tribal conflicts over scarce resources, scaled up.

The entire tech interview landscape is littered with landmines. Inept middle managers often throw individuals with no HR training and blatant personal bias at recruits with disastrous results. It's been that way for years now with no end in sight. Interviewing is essentially about how comfortable someone feels around you and a sizable portion of the current generation in tech don't feel comfortable around anyone. We have to accept the fact that it will not change. It just takes time and patience to find the right fit.

The Coming of Neo-Feudalism: A Warning to the Global Middle Class