A reader writes:

My husband has worked for the University of California for 25 years. He was given his 3 month notice two weeks ago.  He already has been applying for jobs. He is competing with 50 applicants, minimum, according to those in the know.

I have a permanent disability.  The price of prescription drugs I have to take are far more than our monthly house payment.  If or when he gets laid off, COBRA will cost almost as much as our house payment, but we can’t afford to be without it.  While we are fortunate to have a bit of savings, I am not sure what we will do after a few months.  We have a car we could sell, but we wonder if anyone would buy it in these times.

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