The recession is not about the money that we are spending — or not spending — now. The recession was caused by our spending habits in the past, where we as a culture spent money that we didn’t have. The press is filled with stories of greedy companies who offered sloppy credit to people who couldn’t afford it for the sole purpose of fattening corporate coffers. The subprime mortgage market ultimately failed, and things generally collapsed from there. They can all be traced back however to general incompetence on both the corporate side and the consumer side. Perhaps we have learned a lesson — managing money effectively is a skill that many people simply don’t have. Hopefully, you are not one of them.

Does the recession have you down? Far too many people are running around wringing their hands, worrying about whether the recession will end. The reality is that the recession does not apply to everybody. In Bismarck, North Dakota, for example, the unemployment rate is a meager 3.7%. Last year happened to be very good for energy and accurate culture, two of the state’s major exports. The Internet is the same way. Even if the recession has hit the town that you live in very hard, major commerce is still being conducted online every day. The key is to start a home-based business that leverages the Internet and that can produce a recession proof, highly lucrative income.

Today, many people have been affected by the failing economy in some way or another. Some of these effects include the fear of losing a job, one’s company going bankrupt, loss of employment, retail sales falling drastically and stocks going down.

Stanley and Mary Ann Huddle simply decided not to participate in the recession.

Kaneohe, HI—Stanley and Mary Ann Huddle are Baby Boomers who got slammed by the recession. Huddle is a former airline pilot who spent the last 17 years in the cockpit of a Boeing 747 jumbo jet, flying for Japan Air Lines. Mary Ann managed the family front as a stay at home mom who dabbled with network marketing. And then the global economic tsunami hit. “The effect on us was very real, and very personal,” Huddle said. “We lost most of our life savings in an investment scam almost two years ago and then I lost my job this year.”