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You are not broke because of the economy. You are broke because you financed a $60,000 truck on a $40,000 salary.
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An emergency fund is not optional. It is the difference between a bad month and a financial catastrophe.
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Stop investing while you have $30,000 in credit card debt at 25% interest. That is not diversification. That is insanity.
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The people who come on my show are brave. It takes guts to show the world your financial mess. That is the first step to fixing it.
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Credit card debt is not normal. The fact that everyone has it does not make it okay. It makes it an epidemic.