The underlying causes are different in those three situations. Perhaps the consistent tips are to reduce your debt (interest costs will rise), spend far less th

The underlying causes are different in those three situations. Perhaps the consistent tips are to reduce your debt (interest costs will rise), spend far less than you earn and be realistic about future employment situation. The number of lay-offs are rising by the day. I dread the job situation in 2023/2024. Pre-owned computer hardware will become increasingly cheap, so I plan to cut my reliance on cloud hosted servers, etc. The internet is likely to become less reliable due to technical and political issues.