https://www.zerohedge.com/personal-finance/keeping-your-head-amidst-debt-blind-madness
Contrary to the current political posturings, inflation is not being brought under control nor will it be any time in the near future. Instead, we are going to experience a massive wave, a tsunami, of unbacked, fiat-money, inflation crashing down on us, perhaps without even realizing it is coming.
Actions have consequences. The common idea that we can prosper under debt-based living, i.e., borrowing money today for consumption on the expectation of paying the loan back tomorrow, is a fraudulent premise which will eventually destroy and dismantle everything that we have built up over generations.
The best thing to do is to bring personal expenditures into line with income. In other words, live within your means. Get your debts paid down as much as possible. Quit borrowing for frivolous stuff. If you do this, when the wave hits, instead of paying interest on loans, you will have the means to trade all those increasingly worthless dollars for hard goods and services which will benefit you in the long run.
The financial reality of America and the world is that our present system, based on nothing more than faith that we can have what we want when we want it, is going to collapse and disappear. Those who have their wits about them will be able to use the situation to their own advantage AND begin to build a future civilization which is secured by wisdom, common sense, and faith in God, a society diametrically opposed to the one in which we live.
Keep your head.
Poor Roger's Almanac 
Thanks Roger – good words. We are turning the Titanic in our own finances to live within our means and not by an expected lifestyle. It’s hard to get people to make that change – including me.
Hi, Aaron, you are right. Old habits are hard to break, but it is good to hear that you are making the move. Hopefully, you will be able to maneuver your ship out of the path of the iceberg dead ahead before the collision occurs.