So the economy is like two drunks leaving a bar tied to each other with a rope. So you have to take what you can into your own hands and own your credit. But it's hard, because 401 (K)s are a scam and the financial system is a scam. Budgeting can help, like what would you do with an extra $200? It's better than losing money with multilevel marketing. The problem is short-termism is screwing the economy.