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In short, a recession is when, for some reason, people sharply decrease spending money. Does that help any?" Not really, Dad. What's the big problem with people spending less money then they did? I mean, I'm always listening to you complain that people are spending too much money and not saving any at all." You're right, I do say that a lot and I mean it. Unfortunately, what's happened right now is, historically, fairly recent. It all started about 1960 or so, when credit cards were invented. Because credit became so easy to obtain people quickly got used to spending more than they made. Right now, the average household in the United States is well past $50,000 or more in debt. And, by the way, that does not include home ownership. That's way up from the 50s when the average debt load was less than $4,000 per household which did include home ownership."Son, do you remember once when you asked me what money was?" Sure, you said it was nothing more than a tool people used to acquire. “Here comes Emily now!”The pickup truck stopped at the end of the driveway and Emily got out. She was wearing a pale blue and white sundress, brown sandals, and she had her long hair tied back with a matching ribbon. She was pretty in a ‘girl next door’ kind of way, and, as Jason had said, cute as a button. She waved as she walked down the driveway. I saw she was carrying a small jug.“I’m going to pack us a picnic lunch,” Stephie said. “You two can sit on the swing and get to know each other before you do the dirty deed!”Stephie gave us a huge smile and went into the house.“Hey,” Emily said, sitting down.“Good morning! How are you this morning?”“Excited and a bit nervous, but I ain’t changing my mind. I brought you this to try today,” she said, holding up the jug.I nodded to acknowledge what she said, and she continued.“You just can’t drink too much your first time or you’ll likely get sick. Anyway, I want to know more about you.”I told her about my family, my business, school, and.
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