Airways employees said the same thing, then with the stroke of the
bankruptcy judges pen, many lost thousands in company stock retirement plans. Two related that one lost $75,000 and another lost $125,000. They would never make that up again in their lifetime. Don't think it can't happen again, this Covid situation dwarfs the chapter 11's of years ago.
All I am trying to say is get prepared now, the new normal is upon us and all need to deal with it and not think the old days will return. Several years ago during a financial news program at the beginning of the new year, the host asked the guest, a business analyst what she recommended for the viewers for the new year, she replied, it's been said to live within your means, I say live below your means.