Bright, IMO, those that wake up when the wallet is being squeezed are those very close to landing back into reality. Those that are in the early stages of replay or full blown replay, don't really care about the money, i.e., just as long as they get more than their share. LOL! It's the old "me, me, me and more me" song.
That's why it's very important to strike as early as possible and get your ducks in a row about your finances, bills, etc. It's important that none of those items are delinquent because it's too difficult trying to back paddle and pay them w/late fees, etc.
Yes, we are all shocked and stunned at the beginning, but we have to try to find our wits about ourselves and take care of what needs to be done...financial protection. Yes, we can continue down the yellow brick road while doing this and yes, we can also be very angry about all of the cr@p we go through to get to the other side. In fact, anger will help to spur someone on if they are stuck in denial or the bargaining stages (these are the stages whereby we are more focused on getting them back than on our financial situations).
Heed the wonderful advice that Golf Mom posted and I'll continue to hammer home the importance of getting finances in order quickly rather than drag your feet about it.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
