Your Toxic Boss Just Did You a Favour

There's a version of financial advice that assumes your income is a fixed, reliable thing. It arrives on the same date every month, it grows steadily upward, and the only real question is what percentage you should be putting into your pension.

That advice was not written for you.

It wasn't written for the person whose health means they can't guarantee they'll be well enough to show up every day. It wasn't written for the carer who gets a phone call mid-morning and has to leave. And it definitely wasn't written for the person who just discovered that "stable employment" is only stable until someone at the top decides it isn't.

The idea that a single employer is a financial safety net is, to put it gently, a lie most of us were told and most of us believed. One income source. One contract. One person's mood, one restructure, one "we're going in a different direction" - standing between you and financial freefall.