My office faces a yacht marina. You can see it’s quite full. It’s more crowded than usual. This is surprising given nobody has any money.

Here’s the thing, some people do have money. And they’re getting more. People with government jobs, for instance. They receive a guaranteed salary even if they stay home. They’re not retrenched. The government will pay their salaries even if it must increase taxes next year.

This past weekend a brand-new big black electric Tesla SUV rolled into the parking area. I was walking past in my shorts. It is summer, after all, even if it was raining. He asked if I owned one of the yachts. “No,” I said. “I’m surprised the marina is so full in the middle of this COVID epidemic.”

He was a civil servant. He said this is an ideal time for people who have secure jobs.

“We can buy big things for much cheaper than we could last year. Because nobody is selling much. And the banks are happy to lend money to us. Our income is secure. And banks aren’t lending money to anyone else right now.”

He ended with, ” I’ve just bought a boat in prime condition for half the price that it was at Christmas. And that’s one third the price of the new model.”

All this delivered in the charming lilt that Norwegians use when speaking English. (Check out Norsemen on Netflix to hear what I mean.)

The people I work with have seen their prospects massacred. You are probably one such person if you are reading this. Most of us are hanging on by a hair. We are using every resource we have to persist through this income-drought. Retirement funding, savings, new mortgage bonds, anything, …

Most of us are doing this solo. We carry the same guilt about the circumstances as we would if it was our fault. It isn’t.

I bet your 2019 SWOT analysis didn’t consider a global pandemic or a worldwide shutdown. That’s okay. Mine didn’t either. To be quite frank, I didn’t do a 2019 end of year SWOT analysis. I foresaw a bumper 2020 based on 2019.

It isn’t. Turnover is down 70%. Being online means my costs are tiny. This is survivable. But not pleasant

We are in the same cruise-ship as every small-business owner on earth, sniffing very challenging shyte.

Don’t lose the dream you had. This circumstance is temporary. It’s easy to panic. But this time will pass.

We will come out on the other side. It’s not a conspiracy. I agree the banks will come out infinitely better. The government has guaranteed they won’t lose money. They can do this because they can increase taxes to bail the banks out, again.

Instead of getting angry, it makes sense to think about getting even. Maybe not “even” in the context of never doing business with your bank again. Instead, get so independent you don’t need to borrow in future.

This enforced slowdown is the time to act. This is the time we dreamt of, enforced leisure. Yet everyone I consult with assures me they are too distressed to think straight.

If you need a sounding board, I’m a hell of a lot cheaper than your bank. My consulting comes with a simple guarantee. If you don’t think the 60-minutes you spend with me is worth the $25 I ask, don’t pay. (I have cheaper 30-minute sessions as well.) Click here to reserve your time.

We’re in this struggle together.