…are probably wrong.
My personal belief is that this is far from over. Watch the sales numbers as we come into the fullness of the Christmas shopping season; they will tell the story. Avoid debt, pay off debt, build stores of cash and the necessities of life. If things do get better, then you’re well-positioned to take advantage of the good times. If they don’t, you’re positioned to survive the bad times. Either way, you win.