A great article Katie. In the midst of difficulties it is easy to forget that the greatest threat to one's well-being and prosperity is usually the adoption of some sort of attitude that hinders us from self-reliance and taking responsibility for our own futures. I like something economist Gary North stressed. He described how there are many people who have asked for him advice on investing a portion of their money, but he said usually people would be better off looking for advice on how to invest more of their free time. The first rule of wealth accumulation is what can one do to make employers more want to compete for his labors and talents.