I think for many people, the "moment" will be when they lose their job.
I'm going to be made redundant in about nine months, so that's when it will hit me. I'm desperate to get something like a roof over me (owned, not rented), because I may be unemployed for a long, long time.
Of course, I may get a new job in time, and I'm doing all I can in that direction. But I have a pretty good idea what the job market is like. Been fishing in it for the last two years, since I became peak oil aware...




