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I wrote this free ebook to warn people that our current way of living beyond our means is not sustainable. Our governments and citizens have gone to great lengths to create debt levels which cannot continue to rise forever. During the first part of the book I wrote about how we are in a massive financial bubble which spreads across all asset classes, and then in the next part of the book I outlined how each of us can greatly dial down our expenses, pay down our debts, and prepare for the financial storm which awaits. This debt monster has now become like a great Ponzi scheme, and it threatens the very existence of our society and culture. We have debts (e.g. entitlements) which are mandated by law to grow at double digits while our GDP cannot grow more than the low single digits. This is a catastrophic scenario. We cannot grow fast enough to service the ballooning debts. Each of us must have courage and self control to put our financial houses in order before the next enormous financial crisis comes.