Trying to keep an even keel

This article encapsulates a lot of the fears that plague me these days. S and I are lucky enough (knock on wood) to still have jobs. But all around us friends are losing theirs and it’s hard not to feel nervous about the future. We’re on the verge of taking the next step, house and a fam, at time when things could change at any moment. We’re talking a lot of extra costs. S and I are budget masters but nearly doubling our mortgage and the costs of kids means increasing our risk when we should be doing the exact opposite.