Except, this scenario doesn't fit. Getting laid off would be an unexpected event that you couldn't plan for. That isn't this scenario. If I had to rework your example, you sold your car for some stocks you think have a real chance to net you significant profit down the line. You could do that because while you know the car is a nice car, you don't need it right now because gas prices are pretty much forcing you to accept the reality that carpooling is the way to go. (See: 2018 was a lost cause) You also knew that in about six months you'd have ample opportunity to buy a new car to replace it. As luck would have it, you also just managed to pay off your credit cards and have a ton of flexibility to sink into that new car. Time goes by, you get through the car pool period of your life, and the day comes when all the shiny cars are available. You have enough money to buy any car you want. Several of them in fact. And you buy one jalopy that is struggling to get you to work every day. Yes, you miss your old car but here's the thing.....it ain't the only car that can get you to work. You might miss it and it'd be nice to have, but you had a chance to purchase several other options.Now you're about to lose your job because you failed to invest when you had the opportunity and ability. Yeah, you loved that Pressly you were driving (even though for years you swore it was garbage) but dammit it tuned up nice. But it ain't the only car on the road man. There were other options. And you could have had ANY of them AND kept those stocks you really believe in. Best of both worlds right?