I’m gonna make this easy for everybody.

If you’re in the bottom 50% of the list, you might take notice and beef up that emergency fund Incase it’s worse than expected.

If you’re in the bottom 33% of the list, I’d be saving as much as you can every month because there’s a chance you may get a letter.

If you’re in the bottom 20%, save as much as possible because you may actually be furloughed. Figure out a plan B to keep you occupied/provide an income until you’re recalled and get to work on it.

Follow these rough guidelines and you shouldn’t have any real surprises come Oct. No one knows the actual numbers, but anything can happen. Plan for the worst and hope for the best.