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		 To answer Wendy, I own my condo.  I don't care if property values take a dive, because I'm not looking to sell, nor am I looking to take out a home equity loan.   
  
For that matter, I won't need a car loan for a few years.   
  
  
This month, between art framing and a fabulous Halloween party, I'm going a lot deeper into credit card debt.  But I'm finally out of IRS debt. 
  
  
I have no savings and I have no investments. 
  
  
All in all, I'm about the most non-affected person in America.  Oh, and my job only gets more secure as the economy worsens and everone starts suing everyone else for the money owed. 
		
	
		
		
		
		
		
	
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