Unemployment rates continue to rise in all the largest American cities; the worst areas seem to be those hit hardest by the bursting of the housing bubble.
One of the best ways to counteract the loss of income due to losing your job is having a side business. Even a small regular income can make life much easier.
Do you have a side business? If not, why not start one and get your kids involved in it? It's a great way to prepare them for survival in a rapidly changing economy.