People are feeling extremely confident with the continuing strong economy. The debt level per household is increasing, and the level of household savings is still one of the lowest among industrialized countries. People are feeling like the good times will never stop rolling along. Now is the perfect time to prepare for the next economic downturn. Have you paid off your credit card debt? Have you built a cash reserve to be used for emergencies, not to buy stock on a market dip? Have you increased your contribution percentage into your retirement plan? Have you reapportioned your asset allocation to keep it in line with your original intentions? All of these actions are steps you should be taking to ensure your financial health and keep you on track with your financial goals.