I'm lucky. I have a job. I probably won't lose it. I'm near the end of my working career.
I'm one that never believed in living over my head. I pay off all my credit cards every month. I'm not hurting.
[But] I'm not getting anywhere near the overtime I used to. I'm not making as much money so I have to cut back. I'm driving less and I didn't take a vacation for the last two years.