>A crash is not - things cost 5%, 10% more over a period of months, and it's a bit harder to find a job. A crash is when this continually happens. >All you ne

>A crash is not - things cost 5%, 10% more over a period of months, and it's a bit harder to find a job. A crash is when this continually happens. >All you need to do to almost completely immunise yourself against this stuff is to spend, say, 70-80% of what you earn, less if that's viable. And do what with that money?