Inflation is becoming a problem again, with wholesale taking a 1 percent jump in the past month. There are also pressures happening in the price pipeline that will probably mean interest rates and inflation will go up again. In other words, interest rates on anything floating will continue to go up. And looking forward to next year, we could even have an economic slow down or recession. If you are not saving a thing, and these events do occur, you are going to be in trouble. First, stop borrowing money, which means no more plastic. Clark often recommends freezing your credit cards by putting them in a bag of water and putting them in the freezer. Then it’s really hard to thaw them out and use them. There are things you can control in life and things you can’t. For instance, you don’t have the power to change the course of the economy. But what happens in and outside your home can be controlled. It’s up to you.