I voted for the 2nd option as I dont know have a real steady job(18) but have had to make some chanhes. I also own stocks and have watched them tumble in the last 2 months. Im trying to cut back on buying but its very hard not to buy when prices are so low so started cutting other unneccessary items. Ive also been effected as my dad is a mortgagge broker and makes jack S***. We have lost 250K and only continuing to drop. Were looking to move etcso between the 2 I have been affected by the economy in one shape or another