Our family is just beginning to follow these suggestions, Marc. We have been cutting spending, paying off debt & saving. My mother is going so far as to close a savings account & put the cash in a new safe she purchased.         I have been buying silver bullion, thinking this may be more stable in the future than currency.

Your comment about being less than half way through the financial correction seems valid, as less than one half of the adjustable rate mortgages have come due for refinance. As the government spends (and prints) more currency, its value becomes diminished.

Home-based businesses relating to health seem to be popular with not only the baby boomer generation, but gen X people who are looking for alternatives to bankrupt nutrition, processed food and sugar-laden drinks.      The wellness industry is more appealing than the alternative: medication & hospitalization.

Your ONO book has great suggestions for living within one's means, while keeping priorities in place.                The ultimate goal of moving into a profession that really excites someone or retiring is a wonderful reward for frugality.

It's comforting to know that ultimately the Lord is in charge of this whole situation, we just go through our routines pretending to be controling our destiny.

Bill Hellwig