It is no secret that the western world is going through economic hard times right now.  It might not feel that way if you look at the stock markets, but the average family is dealing with company lay-offs and wage reductions, while costs are souring due to economic mismanagement by central planners.  As a result, the average person has to find a way to do more with less.  But few are well trained in this, and most will make what can often be considered fatal mistakes in how they attempt to remedy this situation.   Referenced video:  https://www.youtube.com/watch?v=v5qvBKbMd74