As much as you can try to prepare for sudden changes to income, nothing truly prepares you for being laid off. Take U.S. federal workers who have felt a shock to their job stability in recent days, as an example. A deadlock in Congress over a deal to keep the government funded has left many government employees furloughed or working without pay.

Members of President Trump’s administration have even threatened layoffs if Democrats don’t concede as the government works through its second day of a shutdown.

At the same time, there’s been an exodus of federal workers who left by choice. On Tuesday of this week, 100,000 federal workers formally quit their jobs as part of the Trump administration’s “fork in the road” Deferred Resignation Program (DRP)—marking the largest mass resignation

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