It's the time to evolve and adapt to every economical and financial crisis that may hit the World at large.
We are all in this together and our actions now will determine our positions in the future.
While some find it hard to cut down expenses or change their lifestyle, those who do will reap greater benefits than those who just ride with the world.
We are mostly in this together - a small slice seem to be in a league of their own.
Riding with the world these days generally leads to doing what we are told to do, which tends to get below average results - the new average.