I also believe we may be subject to adding one more adjustment to our lives in preparation for the upcoming rate hikes. We all may need to be prepared to adjust our standards of living, foods we eat and amounts of money we spend away from home. The sooner we accept the reality of cutting back on some of the foods we eat by growing or purchasing more healthier foods such as vegetables, fruits and herbs, the sooner we will be able to sustain ourselves during the era of the price hikes. Also, the sooner plan and budget the amounts of money we spend outside or our homes, the sooner we will be able to sustain ourselves during the era of the price hikes as well. These actions will add to and compound the investment sacrifices we make now that will pay great dividends in the near future.