Yep. A non-profit I worked at about ten years ago went under. I was the first wave of lay-offs. Everyone else was laid-off six weeks later after they all completed their annual grant reports. I had been there about three years. The org has shuttered since then. The writing was on the wall though. We were an entirely new set of employees hired after the original's quit fot not being paid almost three months straight. The org went off of a skeleton crew for six months, then did a mass hire of us. Our CEO was literally a Hillary Clintonite Jr. (some of the things Clinton said on the campaign trail gave me shudders because it sounded so terribly familiar -- gross!). My immediate boss was a board member volunteer who wasn't even getting paid. He straight up told me and another co-worker at one of our weekly meetings two months before the lay-off to have a back up plan. I didn't of course because I was in my 20's care free and fancy. I had given a lot to that job though. I worked through Christmas, and even when I flew home for my Grandfathers funeral worked on the flight to meet a deadline. What I learned is you are dispensable . After that I stopped putting my heart and soul into work projects. At 5pm I am done, end of story. If I can't get the project done, than the onerous is on you (as my boss) to bring in more hands and help. (In non-profit there is always more work than staff and *everything* is an emergency, so there will always be a reason to work longer and harder). Anyway, to finish the story, with no plan I litterally drove to the closes university and enrolled in a random Grad program just so I could get enough loan money to live (bad, bad idea..Don't do this guys..it was the recession and NOBODY was hiring. I straight up hid in the grad program to ride out the unemployment shitstorm). I didn't think I would get in. Surprise, I did! I worked my butt off and had some incredible career opourtunities....but then I met my husband six weeks before graduation. We eloped the same weekend I graduated and he knocked me up a few weeks later. I did a few solid full-time office jobs since then, but chose to be a stay at home mom. I am thinking of going into business myself though. I have a lot of passion to work, but I don't want it to be for someone else. I want to reap the benefits. And yes, I have student loans out the ass.