Take it. We’re in a recession and stockpiling more money would be a good idea. Also, WFH is a terrible idea both early in your career and in a recession. I work for a major company and we literally just laid off all of our remaining WFH employees because the firm said that our younger staff has really struggled to perform well in the WFH environment and it’s the responsibility of older staff to develop them. The firm essentially saw the WFH employees as a net cost on the firm. You do not want to be in this position because the fed is trying to dramatically increase unemployment and I have the feeling it’ll be hard to get a new job sooner rather than later.

You’re absolutely right, but in this event OP is 1) not investing, he’s gambling and 2) he’s on a massive stroke of good luck that OP should not be expecting to continue.

There’s literally no possible way. The best performing fund last year went up 6% and the top performing fund on a 3 year average went up 16% on average.

Liquidate your investments, pay your credit card debt.