With the peak oil pot bubbling, it is time for another reminder that there is no time like the present to get ones financial house in order. Invest in commodities and buy real things, like bicycles, personal microhydropower, seeds, whatever you think might help.
Oh, and if you are in a position where you might need to declare bankruptcy, now would be a good time, as of right now.
Unless you happen to be a millionaire. Then you can safely wait.
The Rude Pundit has the details, unvarnished as always.