I would tell myself, surprise, you actually have the most discretionary money right now you're probably ever going to have. Stop spending it on guitars and restaurants and put more away in tax-deferred investment accounts. Get an emergency fund and grow a home down payment. The Seattle housing market is going to go insane even though its dead right now. Brace yourself for San Francisco levels of home prices.
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I would tell myself, surprise, you actually have the most discretionary money right now you're probably ever going to have. Stop spending it on guitars and restaurants and put more away in tax-deferred investment accounts. Get an emergency fund and grow a home down payment. The Seattle housing market is going to go insane even though its dead right now. Brace yourself for San Francisco levels of home prices.