Do not resort to fear

We are all worried about the continual collapse of the world economy. Consumers have overspent and went into debt to have what they want now. Banks have also overextended greedy for the enormous interest payments. People then paying too much in interest cut back spending which then caused a cut back in jobs and salary increases, because companies were making as much. We as a whole may have done this to ourselves but the fight to survive is not over. As we get out of debt, we should hope for a better future. Otherwise our fears will get the best of us becoming self-fulfilling prophecies that will definitely defeat us. Fear is thus our biggest enemy and is what the adversary uses to control us. Let's use our free agency to help one another and turn this around.

Temperance

I believe this is a subject that is not often addressed nowadays. I am reading a book about success written in the early 20th century. In the book it talks about avoiding intemperance. I was not even sure what intemperance meant. In today's world many people have become slaves to emotion, addiction, and physical cravings. They often tell themselves that it doesn't hurt anyone and that no one should tell them what they can or can't do. People are over extending themselves in order to have big houses many cars and avoid waiting for anything they can have right now despite the exponential cost. All we really need is food, shelter, and clothing. Keeping this in mind is essential to temperance. I believe temperance will guide us through these financially trying times.