That's a really good point, and one of the reasons why I'm on the fence. Normally it's $10k to start plus a $400 annual maintenance fee in the years when you use it. One of our relatives has offered to sell us his membership for what he still owes on it. We don't know how much that is yet.

With the quarter ending on Monday, I'm thinking that any potential layoffs would most likely happen in the next couple of weeks once they get the preliminary numbers. I'm not worried about finding another job right away, and I should be able to get some severance. Plus, we have 6 months of expenses in a savings account we can tap if we need it.