We'll have to sell everything except our Tiffany wedding rings

If this financial crisis lasts as long as the Great Depression of 1929, I'll be 32 when it all draws to an end. Should this nightmare come true, the shockwaves of overseas mass layoffs will hit me hard.

Department stores, hotels, restaurants, clubs and beauty parlors will be the first to fall quiet, as extravagant spending is always the first to be culled during hard times.

The usually crowded subway will become more comfortable with fewer passengers, but it will become a colder rider because almost no one will be aboard. Even the most congested roads will be empty.