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Hi, I'm Kevin and I'm an attorney, writer, gig economy expert, side hustler, and the blogger behind Financial Panther. I paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer. I started this blog to share all I know about personal finance, travel hacking, and making more money by side hustling. Click here to learn more about me.
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Strategies For Dealing With The Next Recession

Last Updated on August 24, 2021March 13, 2020 6 Comments
This post may contain affiliate links.Financial Panther has partnered with AwardWallet and CardRatings for our coverage of credit card products. Financial Panther, AwardWallet, and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

I’ve always thought that one of the formative periods of my life was the Great Recession of 2008 and 2009. It’s an event that I think defined my cohort. We graduated into one of the worst economic periods in history, and if the studies are right, it might have set us back financially for the rest of our lives. 

Strangely enough, even though the Great Recession had such a large impact on my life, it barely registered as an event to me at the time. I was insulated from it by the fact that I was in college and had no money. The reality of the recession didn’t hit me until I graduated in 2009 and found that I couldn’t get a job. Like much of the class of 2009, I ended up moving back home with my parents and found myself heavily underemployed, working in service industry type jobs or doing unpaid internships.

Now, after a ten-year bull run, it’s starting to feel like we might be heading towards our first real downturn in a long time. I don’t claim to be an expert at dealing with financial fallout – I was just a 22-year old kid when the last one happened. At the same time though, the recession was one of the defining periods of my life. It’s the reason I ended up where I am today and probably why I think about money the way I do. 

So, whether we are going into a recession or not, here are a few thoughts and strategies I’m thinking about.

1. Losing Your Job Is What’s Going To Matter, Not Your Investments

Whenever the market takes a downturn, you always hear from people about how much money they’ve lost. Indeed, my own investments have dipped by over $50,000 since they reached their high a few weeks ago.

But as we all know, you haven’t really lost anything until you actually sell your investments. And unless you’re actually drawing down your investments (which most of us are not), then from a practical standpoint, the value of our investments means nothing. They’re just numbers on a page.

What will actually matter is whether this downturn leads to you losing your job because our jobs are what leads to income and our income is what actually matters when we’re not financially independent. Back in 2008, a lot of people ended up getting fired (or like me, never got a job in the first place). That’s what caused the hurt for most of us – not the numbers on a piece of paper. Which leads me to point #2…

2. Have An Emergency Fund – And Make It A Big One 

Because it’s our income that matters, the obvious thing to do is to take steps to reduce the impact that a loss of income has on us. This is why I’ve always advocated having a pretty big emergency fund to hold you over in the event of job loss.

How big of an emergency fund you keep is up to you. You have to always remember that keeping cash on hand does carry with it an opportunity cost – every dollar you keep in cash is a dollar that isn’t growing. Over time, that cash actually loses money thanks to inflation. 

But there are ways around this cash/inflation problem. My strategy has always been to max out my 5% interest accounts – it’s why I have a $42,000 emergency fund that I personally think is the best emergency fund in existence. What makes my emergency fund strategy so good is the fact that it gets the best of all worlds – that is, the safety of FDIC insured bank accounts combined with a guaranteed rate of return that handily beats inflation. Beyond this, you can also use idle cash to earn bank account bonuses, which allows you to earn higher rates of return (5% or more easily) without risk and without losing the flexibility to pull cash when you need it. 

A cash emergency fund isn’t the only emergency fund you can have. I’ve advocated for having a “side hustle emergency fund” as well. This includes all of the income-generating things you do outside of your day job that you can fall back on if times get tough. Having a side hustle emergency fund means that your cash emergency fund can last even longer if you’re able to generate a little income to cover some of your expenses. In terms of when to set up your side hustle emergency fund, I’ve always said it’s better to do it when times are good because when times are bad, you don’t have the luxury of giving yourself a ramp-up period. 

A final, sort of out-of-the-box emergency fund that you can fall back on is the points and miles that you’ve accumulated via credit card rewards. Most people don’t think of these as assets, but they do have a real cash value. I get some comfort in knowing that, if needed, I can grab a short-notice flight using my points. If I get really desperate, I can even cash out some of these points and miles for actual cash.  

3. Pay Minimum Payments On Debt And Save The Extra 

I paid off my student loans back in 2016 and my strategy back then was to throw everything I could at it whenever I had excess cash. This hyperintensity was one of the main reasons I was able to pay off my student loans so quickly.

Over the years though, I’ve started to second guess this strategy and have favored a more loose approach to student loan repayments. Rather than throwing everything into your student loans, I’ve thought it might make sense to save your extra payments in a separate, high-yield savings account. At some point, you’ll have enough saved that you can pay off your student loans with a click of a button. But if something happens, you still have cash that you can use.

This is what I did during the last six months of my debt payoff journey when I knew I was about to change jobs. I was nervous about the uncertainty and the pay cut I was going to take, so I thought it would make sense to keep cash on hand. The idea here was that if I made payments with my excess funds, that money was gone forever and couldn’t be used for anything else. But if I saved it away, I still had access to that cash and could use it if necessary. And if I didn’t need the money, I could take all of it and wipe out my debt with a single click. 

This is a strategy that my wife and I are implementing at this moment. She still has student loans and instead of taking our cash and making extra payments, we’ve spent the past year or so paying minimum payments on her loans and stockpiling the excess into a savings account. Yes, we lose a bit on interest, but if something happens, we’ve got this money sitting in a savings account ready to go. To us, flexibility and the ability to ride out potential storms is more important than the small extra amount we have to pay in interest. When we’re ready, we’ll pay off her student loans with one click.

4. Don’t Buy More Or Buy Less – Stay The Course! 

One of the things I often hear people say is how a downturn is an opportunity to buy more stocks. I’ve always found this a little bit puzzling, especially since the people who say this are often indexers and folks who don’t believe in market timing. 

The truth is, buying more when the market is down is exactly market timing but in the opposite direction. Just as the general advice is not to sell when the market drops and rather, stay the course because we can’t know what the future holds, the same is true about not buying more when the market takes a dip. We don’t know where the market is going, so all we can do is buy as much of the market as we can and do so on a regular schedule.

A few weeks ago, I saw a lot of people talking about how they were buying more stocks in the wake of the initial market drop. Since then, the market has dropped even more. This means these folks timed the market wrong (as most of us will). And it begs the question – what were they doing with their money before and why wasn’t it invested?

Instead of buying more, continue to do what you’re doing. If you invest with each paycheck, continue to do that. If you invest once per year (like I often do because of the way some of my retirement accounts are set up), then keep doing that too. In the end, the only real way to avoid market timing is to pick an investing schedule and stick with it, no matter what. Long story short, ignore the noise in either direction.

5. Recent Recessions Aren’t The Way Recessions Will Always Be 

There’s this thing a lot of people seem to think. We have this idea that the most recent thing that happened is how we think things have always been.

During this last decade, countless perma-bears have talked about how the next big crash is going to happen. The more aggressive perma-bears like to say how it’s going to be even worse than the 2008 financial crisis. Even those of us that aren’t perma-bears seem to have this idea that the next downturn is going to feel like 2008, with everything tumbling into another Great Recession.

The thing to remember is that 2008 was out of the ordinary – a potentially once-in-a-lifetime type event. It’s why they called it the Great Recession – because it was worse than anything we’d ever seen before. Crashes and recession haven’t always looked like that. Heck, the lost decade of the 2000s is not the way market cycles have always looked like.

I imagine that after the Great Depression, most people thought the upward trend of the market couldn’t stay that way and that we’d eventually tumble back into another Great Depression. Today, with so much time passed between us and the 1930s, none of us think of recessions in terms of Great Depressions. But I bet our grandparents and great-grandparents thought of the economy in that way. I bet they thought that when the next crash happened, it’d look like the Great Depression again.

The point of this is that crashes and downturns aren’t necessarily going to look the same. Don’t assume that the next one will look like the last one we had.

6. Living Lean Is Going To Help You A Lot 

Trouble happens when you have a lot of fixed costs and no way to pay for them. For all of us, lifestyle inflation is a natural progression. As we earn more income, we start spending more in our day-to-day life. 

The problem with lifestyle inflation is it ties us to a specific income. This has the effect of forcing us to make a certain level of income in order to live. And it also removes a lot of potential jobs from our arsenal. If I need $100,000 to live, I really have no choice but to get a job that makes $100,000 or more. If I only need $30,000 to live, I can do almost anything.

What this means is that if you’re the type that’s living large now, you’re going to need to tone things down if you want to avoid crashing and burning if/when sh*t hits the fan.

Final Thoughts

I’m not immune to fear and there are definitely a lot of things about the current state of the world that scares me. While I’m not working a traditional job that I can get fired from, my work (writing on this blog) isn’t steady. My income from this blog comes from ads and affiliates and if the economy keeps tumbling, who knows what will happen to that income. I assume that when companies start making less money, they probably cut their marketing budgets, which will directly impact my ability to earn income. 

My side hustle income isn’t that reliable either. When things get bad, people are going to cut back on luxuries like having their food and groceries delivered. I also have a feeling that more people will turn to gig economy apps when the going gets tough, which will mean more people on these apps and fewer opportunities for all of us. 

But I know that more likely than not, things will pass. The market is cyclical. Things go up and things go down, but if I believe that people will continue to build and innovate and create value, then I know that the market must, in the long-term, go up. We barely had the internet 20 years ago. I didn’t even get my first smartphone until 2013. There’s going to be stuff created in the future that we can’t even imagine yet. 

You can be prepared though. And the thoughts and strategies in this post are the things I’m thinking about if the market continues to tumble. 

What steps have you taken in the event of a downturn or recession?

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Check out these other ebikes/scooters I've had the chance to do a review for:

  • GEN3 Outcross Bike – The GEN3 Outcross is a solid, affordable fat tire ebike that does a good job of doing what I need it to do. It works great for city riding, giving me a smooth ride in all conditions. It’s works really well as a winter ebike since the fat tires give it good traction over snow and ice. Check out my GEN3 Outcross Review.
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  • Fucare H3 Scooter – The Fucare H3 is a fun scooter and I’ve enjoyed testing it out. For a daily commuter or quick trips or errands, the Fucare H3 is probably the scooter I’ll use. It’s portable and easy to maneuver, so it’s just easier to take on the road when I need it. Check out my Fucare H3 Scooter Review.

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For additional investing app bonuses, be sure to check out the ones below:

  • M1 Finance ($10) – This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account. Check out my M1 Finance Referral Bonus – Step-By-Step Guide.
  • SoFi Invest ($25) – SoFi Invest is an easy brokerage account bonus that you can earn with just a few minutes of work. Use my SoFi Invest referral link, fund your SoFi Invest brokerage account with $100 and you’ll get $25 of free stock. I also have a step-by-step guide for the SoFi Invest referral bonus.
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  • Fairwinds Credit Union ($100) – Fairwinds Credit Union is offering a referral bonus for users that sign up using a referral link. Fairwinds has no fees or minimum balance, so this is a particularly easy bonus to earn. Since this is a smaller credit union, my gut instinct tells me this offer won’t be around long, so if you’re in a position to meet the bonus requirements, grab this bonus before it’s gone. Here is my step-by-step guide on how to earn your Fairwinds Credit Union bonus.
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financial panther

Kevin is an attorney and the blogger behind Financial Panther, a blog about personal finance, travel hacking, and side hustling using the gig economy. He paid off $87,000 worth of student loans in just 2.5 years by choosing not to live like a big shot lawyer.

Kevin is passionate about earning money using the gig economy and you can see all the ways he makes extra income every month in his side hustle reports.

Kevin is also big on using the latest fintech apps to improve his finances. Some of Kevin's favorite fintech apps include:

  • SoFi Money. A really good checking account with absolutely no fees. You'll get a $25 referral bonus if you open a SoFi Money account with a referral link, and an additional $250 if you complete a direct deposit.
  • DCU. Digital Federal Credit Union (DCU) is a free, nationwide credit union that I recommend to readers for two reasons. First, DCU has a $100 referral bonus if you open a free DCU checking account with a referral link. Second, DCU has a savings account that gives you 6.17% interest on your first $1,000.
  • Novo Bank. Novo bank is a free business checking account that’s currently offering a $40 bonus if you open a Novo business checking account using a referral link. It’s the business checking account I currently use for this blog.
  • M1 Finance. This is a great robo-advisor that has no fees and allows you to create a customized portfolio based on your risk tolerance. You also get $10 for opening an account.
  • Personal Capital. One of best free apps you can use to monitor your portfolio and track your net worth. This is one of the apps I use to track my financial accounts.

Feel free to send Kevin a message here.

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Comments

  1. Bruce says

    March 14, 2020 at 3:07 pm

    I like you buy into the market once a year due to the lump sum i deposited at the beginning of the year. I also continue to max my 401k throughout the year which keeps me averaging out the market. However ive had a lump of money that i had saved for a bit cause my gut was saying impeachment etc recently. I guess its timing but i look at it as having money liquid offers me value to jump at opportunities when it comes(invest in a biz purchase real estate etc) Now ive begun to buy with each down day in the market.

    Reply
    • Financial Panther says

      March 15, 2020 at 7:45 pm

      So long as you understand it’s market timing, that’s cool. But the important thing is understanding what you’re doing. The one thing to think about is that the market tends to go up more often than it goes down, so more often than not, you might miss if you’re holding cash just for those down days.

      Reply
      • OlderRetiredGuy says

        March 16, 2020 at 11:29 am

        Another thing you could do to invest a lump of money is schedule equal investments per period (week, month) say over the six months or a year (pick your period). Maybe one of those increments may hit the bottom of the market but you may very well bracket the steep fall and likely a slow steady rise in the market and you’ll reduce risk of absolute wrong time to invest.

        I personally think the U.S. and the world are overreacting, especially in comparison to other events like MERS, SAR and Spanish Flu. However, this round with COVID-19 has set off a cycle that is a bit unnerving to say the least. But I agree with FP that living leaner and maintaining an income stream are the most important things beyond health itself. This will pass.

        Reply
        • Financial Panther says

          March 20, 2020 at 9:08 am

          I always wonder about this dollar-cost averaging vs. lump-sum investing. Where do people end up with these big stacks of money out of nowhere? To me, everyone essentially dollar cost averages over the course of their lifetime out of necessity.

          Reply
  2. statistician says

    March 22, 2020 at 10:27 am

    Hi Sam, I’ve been reading your blog a couple of years. Thank you so much for writing great content that has helped me out tremendously and will help me weather this storm. I think in this particular crash due to pandemic, your delivery income will probably remain or come from new sources. Since I’m young but am one of those immune-compromised people, I actually signed up for delivery the first time in my life.

    I’ve been reading articles about how to not suck as an Instacart customer. Since the stores InstaCart delivers from aren’t where I prefer to shop, I’m hoping I can get one of the delivery people to email and shop for me directly. This would also ensure 100% of large tips would go to the delivery person and not the service.

    Anyway, good luck weathering the storm and stay healthy!

    Reply
    • Financial Panther says

      March 27, 2020 at 1:26 pm

      I’ve been taking a step back due to Covid-19, but right now, I think people are really starting to understand just how underappreciated these gig workers are. We do a lot of work when others can’t.

      Right now, grocery delivery would be really big – I’ve been avoiding though because I don’t like being in the grocery store right now.

      Reply

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