The only time I bothered with ninja magic was when I took Tyro to the white mage nightmares . Outside of that there was never any use for these things . <| sep |> He did actually state his reason , the terrible writing . And I 100 % agree , despite being a fan of Borderlands . <| sep |> I ' m happy priest got good cards . I don ' t want any class to be garbage . I just wish they could print good and fun cards for all classes . <| sep |> It ' s very unlikely that you would be completely unable to sell a house . You may not like the price that you are able to get for it if there ' s a recession , but unless there ' s a complete societal collapse and if there is , we ' ve all got bigger problems , then some investor somewhere with deep pockets is going to be around snapping up bargains from people desperate to sell . Also , if there ' s a massive recession , house foreclosures are going to be taking a long time I recall reports of people in the last downturn who stopped making their mortgage payments and weren ' t kicked out for a year because it took their bank that long to go through the process . Don ' t forget also that you ' d likely qualify for unemployment benefits if we ' re talking mass layoffs . It may not be much but shouldn ' t be discounted . Perhaps figuring out how much benefits might cover for you would help ease your mind a bit ? Like , you could look on that as another avenue of emergency funding . I have about 6 months of bare bones expenses sitting in I and EE bonds as a second tier of emergency fund . So if I add everything up , I probably have about a year ' s worth of minimal expenses available to me approx 6 months of normal expenses . I totally get the desire to have a bit of an extra cash cushion , although personally I don ' t feel the need for 2 years . It seems that the mortgage is a big source of your financial worries perhaps really focusing on paying it down rapidly might help ease some of your concerns instead of having the cash sitting around ?