I worry about Matt and Pat.

Matt is having income problems. He's an independant contractor with few customers. Customers who reguarly don't pay him on time. About every 2nd month he can't pay his rent on time because he's flat broke.

Pat doesn't have a work visa and is living on savings.

They regularly tell us how they are cutting back on expenses to save money. Yesterday they bought a big flat screen TV. They say the will eat at home more to save money. Starbucks is just down the road and our espresso machine is too old and manual for them.

This ends badly for someone. I hope it's not me.