Now is the time to reduce your expenses.
Now is the time to get out of debt.
Now is the time to set aside some money so that you will have something to live on if you do happen to lose your job. I typically recommend that you have at least 6 months of living expenses stored up.
Now is the time to start a side business. Even if you are broke, there are some businesses out there that you can start up for no money. It isn't easy to start a business with no money, but it can be done.
Now is the time to grow a garden. Fruits and vegetables are often some of the most expensive items at the grocery store, and by growing them yourself you become less dependent on the system.
And that is the key. We all want to try to become less dependent on the system.
There is no guarantee that your job will always be there.
There is no guarantee that your insurance company or the financial institutions that you are working with today will always be there.
There is no guarantee that the government will be there "to save you" when you really need it.
Yes, it is halftime in America.