[問卦] 36歲剛被裁員房貸1100萬怎辦

看板Gossiping作者Cubone (Cubone)時間2周前 (2026/01/20 16:57)推噓264(568推 304噓 618→)

留言1490則, 985人參與討論串1/17 (看更多)

上午剛進公司就被 HR 叫進會議室，果不其然是那一套官方說詞簽完字交接完，現在坐在樓下 7-11 腦袋一片空白，咖啡完全喝不下現在不知道該怎麼回家跟老婆說這件事... 背景：36 歲碼農，年薪 200 萬。負債：房貸 1100 萬 + 信貸 100 萬資產：省吃儉用加上運氣，股票約 1500 萬（原本目標 4000 萬退休，現在夢碎）雖然資產能頂一陣子，但想到每月的高額房貸還是焦慮到手抖我也知道 36 歲很尷尬，演算法早生疏了要跟剛畢業的刷 LeetCode 拚體力腦力根本贏不了。很怕之後只能找到年薪 80 萬的工作，那個落差感真的扛不住請問鄉民，這年紀被釋出，是不是回不去原本薪資了？中年失業真的好想哭 -- ※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 49.218.136.132 (臺灣) ※ 文章網址: https://www.ptt.cc/bbs/Gossiping/M.1768899446.A.0D0.html

推

suzhou

01/20 16:58, 2周前 , 1^F

01/20 16:58, 1^F

噓

syldsk

01/20 16:58, 2周前 , 2^F

01/20 16:58, 2^F

推

kidd085

01/20 16:58, 2周前 , 3^F

01/20 16:58, 3^F

推

godog

01/20 16:58, 2周前 , 4^F

01/20 16:58, 4^F

→

xox5678

01/20 16:58, 2周前 , 5^F

01/20 16:58, 5^F

→

suzhou

01/20 16:58, 2周前 , 6^F

01/20 16:58, 6^F

推

neilisme

01/20 16:58, 2周前 , 7^F

01/20 16:58, 7^F

推

icosahedron

01/20 16:58, 2周前 , 8^F

01/20 16:58, 8^F

推

FirePopcorn

01/20 16:58, 2周前 , 9^F

01/20 16:58, 9^F

→

xox5678

01/20 16:58, 2周前 , 10^F

01/20 16:58, 10^F

推

IDfor2010

01/20 16:58, 2周前 , 11^F

01/20 16:58, 11^F

→

sellgd

01/20 16:59, 2周前 , 12^F

01/20 16:59, 12^F

推

luninyou

01/20 16:59, 2周前 , 13^F

01/20 16:59, 13^F

→

ohya111326

01/20 16:59, 2周前 , 14^F

01/20 16:59, 14^F

推

hikaru77613

01/20 16:59, 2周前 , 15^F

01/20 16:59, 15^F

推

weightisjoke

01/20 16:59, 2周前 , 16^F

01/20 16:59, 16^F

→

sellgd

01/20 16:59, 2周前 , 17^F

01/20 16:59, 17^F

推

stevetsao123

01/20 16:59, 2周前 , 18^F

01/20 16:59, 18^F

推

01/20 16:59, 2周前 , 19^F

01/20 16:59, 19^F

→

a8521abcd

01/20 16:59, 2周前 , 20^F

01/20 16:59, 20^F

總覺得沒正職收入以及對未知未來就很無助跟恐懼我自認競爭力已經不如 AI & 新鮮人了...

推

junibookye

01/20 16:59, 2周前 , 21^F

01/20 16:59, 21^F

推

tpta45855

01/20 16:59, 2周前 , 22^F

01/20 16:59, 22^F

→

junibookye

01/20 16:59, 2周前 , 23^F

01/20 16:59, 23^F

推

tchialen

01/20 16:59, 2周前 , 24^F

01/20 16:59, 24^F

※ 編輯: Cubone (49.218.136.132 臺灣), 01/20/2026 17:00:48

→

pyrolith

01/20 17:00, 2周前 , 25^F

01/20 17:00, 25^F

→

vowpool

01/20 17:00, 2周前 , 26^F

01/20 17:00, 26^F

→

GKKR

01/20 17:00, 2周前 , 27^F

01/20 17:00, 27^F

推

a0986188522

01/20 17:00, 2周前 , 28^F

01/20 17:00, 28^F

推

PPTmilktea

01/20 17:00, 2周前 , 29^F

01/20 17:00, 29^F

→

jpnldvh

01/20 17:00, 2周前 , 30^F

01/20 17:00, 30^F

→

sellgd

01/20 17:00, 2周前 , 31^F

01/20 17:00, 31^F

→

BaRanKa

01/20 17:00, 2周前 , 32^F

01/20 17:00, 32^F

→

m13211

01/20 17:00, 2周前 , 33^F

01/20 17:00, 33^F

→

junibookye

01/20 17:00, 2周前 , 34^F

01/20 17:00, 34^F

推

coffee112

01/20 17:00, 2周前 , 35^F

01/20 17:00, 35^F

推

gk1329

01/20 17:00, 2周前 , 36^F

01/20 17:00, 36^F

噓

kgppra

01/20 17:00, 2周前 , 37^F

01/20 17:00, 37^F

還有 1413 則推文

還有 8 段內文

→

brkx

01/21 18:06, 2周前 , 1451^F

01/21 18:06, 1451^F

→

brkx

01/21 18:07, 2周前 , 1452^F

01/21 18:07, 1452^F

推

friend369as

01/21 19:06, 2周前 , 1453^F

01/21 19:06, 1453^F

→

friend369as

01/21 19:06, 2周前 , 1454^F

01/21 19:06, 1454^F

推

thousandwave

01/21 19:32, 2周前 , 1455^F

01/21 19:32, 1455^F

噓

SHITkmt

01/21 19:59, 2周前 , 1456^F

01/21 19:59, 1456^F

推

nmchen

01/21 21:31, 2周前 , 1457^F

01/21 21:31, 1457^F

噓

touhou8426

01/21 22:19, 2周前 , 1458^F

01/21 22:19, 1458^F

→

savageg

01/21 22:48, 2周前 , 1459^F

01/21 22:48, 1459^F

噓

etvalen

01/22 00:26, 2周前 , 1460^F

01/22 00:26, 1460^F

→

AKIRA1258

01/22 06:33, 2周前 , 1461^F

01/22 06:33, 1461^F

→

rs23234

01/23 12:06, 2周前 , 1462^F

01/23 12:06, 1462^F

噓

[問卦] 36歲剛被裁員 房貸1100萬怎辦

[問卦] 36歲剛被裁員房貸1100萬怎辦