While unemployment rates aren’t as high as they once were, you don’t need a recession to unexpectedly find your job on the line. Even in the strongest of economies, outside competition, financial mismanagement, and shifting company priorities can all result in unforeseen job loss — and when that happens, the consequences can be significant. According to a 2014 Rutgers University study, 55% of long-term unemployed workers (those out of a job for six months or longer) claim they will need to postpone retirement as a result.