I know of many people with similar stories. I have a sister with a teaching and a computer programing degree, she can't get work in either field. My own wages were cut in half 2 years ago. I just do without many things I had before. One thing I refuse to do is cash out my investments, thst will come last. Problem is, none of this is going to change, I believe it's only going to get worse until it pops. And then, what happens is anyones guess.