then there are folks like me. I have a couple bucks in the bank but won't spend it. I love football and could run out right now and plunk down cash for the most expensive HD tv out there. Then call Time Warner for the hook up. But I'm also looking down the road at the mess that is coming and refuse to spend any money. My entertainment is on the tax payer dime to a certain extent. Range and fishing license is $43 for a year. The lake is only 4 miles away. I clean, cook and eat on their picnic tables. Free food, essentially. You just have to learn how to catch them. Free Internet, heat, electricity and light next door all paid by the tax payer.

Here's an example. A month ago they announced that they're going to start shutting down the coal fired power plants or fine them heavily. Look for your electric bills to double in the near future. Start making the changes, now.

As more and more people spend less money, the whole thing continues to go downhill towards collapse. I'd think long and hard before I took out a student loan.