For the OP, check out the state of the economy. Housing is down another 20% last month, Portfolios are losing value, cost of goods is increasing. People aren’t going to go into bankruptcy because of bad loans, it will be because of total debt. Does everything “feel” like it’s in a good spot? Their is a tremendous amount of global instability and almost certainly a war is on the horizon (currently in a proxy war). Knowing that and that airlines hire until they furlough is also useful.

If you only have 15 yrs left, how would it feel spending 2 of those furloughed?

Best of luck to you, whatever you choose.