Should You Be Crisis-Proofing Your Situation?

I like the point you made about taking a break on savings or cutting back if you need to survive in the short term. I mean, what's the point in putting money away if you're carrying a credit card debt? You've got the next 20 years to save. We've got an interesting situation in the economy now where we have some people spending quite aggressively on travel and restaurants,. Other people are really cutting back.