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Living within your means is not the hardest part. What's difficult is living within your means while watching others live beyond their means and rub it in your face. Many people can't deal with that and that's partly why they fall into debt.

I would also note that the article isn't really that pessimistic. It says that a severe recession will only make for an unpleasant year or two. Really? How about an unpleasant decade or two as all the excesses in our financial system get wrung out?

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