Plan for the Worst

Growing up in West Philadelphia in a working-class neighborhood listening to my parents talk about the Depression never made a dent in my consciousness. We baby boomers have lived in really good times. The most serious economic downturn I have experienced was in the late '70s during the first oil shortage. Waiting in lines to fill up was more irritation than economic privation. We married, bought houses, had children, educated them, and started saving too late for “the future.” It's ironic thinking about the current situation how the mind recalls lessons of the past. Again, one of my favorite expressions of wisdom is applicable: “Those who fail to learn from history are condemned to repeat it.” I don't mean for this to be a stroll down the negative paths of our current economic travails. Though talking to many in the industry who have much greater life and business experience

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