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Imagine a game of musical chairs. Except there are 12 chairs and 100 people.

That’s what the job market is like right now, says Mandi Woodruff-Santos, a career coach and host of the “Brown Ambition” podcast.

“There’s not a lot of meat on the bone,” she says.

That’s why right now, many people who do have jobs are holding on to them for dear life, a concept that management consulting firm Korn Ferry called “job hugging” last month.

So many people are talking and writing about the term that “job hugging” is trending on Google.

It resonates. Are you hugging your current job right now? Maybe you feel stuck. Maybe you’re not able to gain the skills you want. Maybe you’d like a new position with new challenges or more money, but …

In July, the number of job openings (7.2 million), the number of new hires (5.3 million) and the number of people quitting jobs (3.2 million) were all pretty much unchanged, according to the latest numbers from the Bureau of Labor Statistics.

Insert melting emoji.

Uncertainty about the economy, largely driven by changing policy, is causing employers to hold back on hiring, she says.

Jesse Wideman, a certified financial planner based in Charlotte, NC, says a few years ago he had a lot of clients, particularly in the tech industry, who job-hopped to get more money. Now though?

“There’s a lot more fear around job security,” says Wideman, who works for Zenith Wealth Partners.

He gets it. He says he’s gone through job loss, and he’s had both friends and clients go through job losses, too.

“They were out of work much longer than they thought,” he says. “Then, once they get in a new job, they don’t say, ‘I plan to be here a year or two.’”

They stay parked right where they are. Why? Because people are afraid to go through another job loss and think, “let me make sure I don’t have another five or six months where I don’t have enough money for it to be feasible to feed me and/or my family,” he says.

If your job provides your health care and you have people relying on you, that’s a strong case for staying put, says Woodruff-Santos, who has the nickname, “the Queen of Quitting” because she’s quit jobs to get more money and coached women of color to do the same.

Believe it or not, some companies still have pensions, he says. If you leave, that’s money you may be leaving on the table.

Either they’ve been laid off before, or they want a cushion in case life starts life-ing and that job they’re hugging cuts them loose.

There are tradeoffs, of course. If you’re putting more money in your emergency fund, that means less money for other things — a down payment on a house, a wedding, your retirement or your brokerage fund.

It just depends on your priorities. Also, how strong your fear is.

If clients aren’t happy in their role and something better does come along, Wideman says he works with them to help them evaluate where they are and what their financial plan looks like if they stay or if they go.

Those discussions definitely come up less these days, Wideman says. But they still do come up.

Woodruff-Santos says if you’re hanging onto a job that seems secure and you get a rare opportunity to jump ship, but you’re scared of moving because of a possible last-in, first-out layoff, what does that mean for future you?

“It’s very comfortable to think ‘stay put.’ It’s the safe route,” Woodruff-Santos says. “But at the same time, what are y’all hugging? It ain’t hugging you back.”

How much more could you have saved, gotten ahead, paid off debt, or socked into your 401(k) if you quit and took that leap?

“There’s that risk, but also that reward,” she says. “What if things do work out? Because a lot of times, they do.”

Woodruff-Santos, who works with women of color, says they’ve long known that a job is just one source of income. She encourages her clients to keep their resumes and networks up to date and not count on that one job to be around forever.

“If you are job hugging naively, that is the worst mistake of all,” she says.