1. Tariff-taxes increase inflation.
2. Declining supply of cheap foreign goods cause consumer price index increases.
3. Federal Reserve Board increases federal fund rate to try to decrease inflation.
4. Stock market bubble collapses.
5. Real estate market declines as owners try to get out of “investment property”.
6. Banks start foreclosure on many no-pay mortgages.
7. Without mortgage payments coming in, banks become insolvent.
8. A few weak banks go bankrupt, leading to a massive run on all banks.

…

9. Profit.

One of the spending problems I have is I get into hobbies and it becomes an obsessive gear collecting activity. For example, backpacking. You can go backpacking with very basic, cheap equipment, but eventually I seem to end up wanting the most expensive gear. So hobby purchases is something I want to stop. I want to learn to do hobbies without expensive gear.

Did you find anything particularly difficult?

There are libraries and a lot of audiobooks are free online.