What can people do when the next hits to keep their head above water financially? Are there things people can do for job security or additional income? What expenses can people cut? Is a recession an opportune time to make any big purchases (houses, cars, etc.) or not? Should people change their investment strategies? When it is appropriate to borrow money during a recession? Can you refinance debt during a recession? Any other thoughts would be great – thanks! Requirements: Financial advisers, CFPs, CPAs, etc.