Banks are estimating 65% odds, people are dumping us Treasury bonds, there is reporting of a purposeful weakening of the dollar, and I’m seeing the first price hikes enacted. Any suggestions for how to prepare for the shitstorm that’s coming?

  • neidu3@sh.itjust.worksM
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    5 days ago

    Not a whole lot I can do beyond what I already have done for unrelated reasons:

    • mortgage is on fixed interest.
    • car loan is mostly funded by some extra money I have coming my way.
    • employment contract is pretty solid and includes a hefty severance package if ended prematurely.
    • We’re in a similar boat:

      • low, fixed-rate mortgage - we got lucky in the timing.
      • cars are paid off, but one is overdue for being replaced. Soon, it’s going to start costing more to keep running than it’s worth.
      • have severance, but with the mortgage, and cost of gas & electricity, it won’t last long.

      Also, we have no other debt. We’d be fine if the market weren’t on a slide.

      • neidu3@sh.itjust.worksM
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        5 days ago

        I just replaced my car, mostly due to upkeep costs. But while I can manage the car loan as it stands right now, once my grandparents’ house is sold, almost all of my share will go into the car loan.

        The severance obviously won’t last forever (6 months-ish), but I live in a “socialist hellscape scandinavian country” (Glenn Beck told me so, I didn’t know how awful I had it until I accidentally watched Fox News in 2008), so even if it takes me a while to land a job I’m not too worried. Plus I have plenty ty of c9ntacts in my current field of work, so even if things were to go to hell, I’m sure I’ll land on my feet.

    • Valmond@lemmy.world
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      5 days ago

      It’s wild some people don’t take mortages in fixed values. Especially when it’s already low.

      And if rates goes lower, you can renegotiate your fix one.

      • Ajen@sh.itjust.works
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        5 days ago

        An adjustable rate is the right choice of you’re confident rates will drop and you can accept the risk of being wrong.