A basic early lesson in surfing is how to turtle. When paddling out into the surf, there are times when you are certain to be hit by a major, crashing wave. Turtling is a technique of rolling over on your board so that you place the board between you and the crashing wave. It is essential that you hold on tight to the board, and not let the board smash your nose and face in the process, but in most cases, it helps immensely.
If you are living in the economy of late or post October 2008, it is time to turtle. Do what you can to break the crash. Don’t increase your debt. Keep your spending in check. Hold on to your job. Turtle now.