Salaries change much more these days than they used to. Think about how yours may have fluctuated. It's three times more likely you'll have up to a 50% swing in income year-to-year than it was a generation ago. Also, the debt rate per person is way up from last generation. This doesn’t correlate. We have more financial volatility, but less of a safety net than ever before. Clark wants you to think about how this could affect you. Do you buy furniture or electronics on instant credit, cars with long term loans, or houses with no money down? Clark wants you to ask yourself: if your paycheck stopped tomorrow, what's your back up plan? How long could you handle your bills and obligations? One hour? One day? A month? A year? If the answer is "not that long", Clark says dial back on your debt, and dial up on your savings.