Apr 12, 2021 - Don't indulge in gratuitous despair. There is still safety in numbers, even if the numbers are a lot lower than they used to be. If you need reassurance, add up the basics.
Apr 13, 2021 - Times have changed, but what it takes to build a financial safety net is still the same. Work with discipline and perseverance rather than creativity. And of course, keep your habits easy on the pocket.