Traffic lights are everywhere–red, green, amber. Green and red are obvious–go, and stop. However, what does amber mean? Our behavior suggests: “speed up, beat the red light!” Simply, the amber light signals that we should prepare to stop. Similarly, we have signals for our financial condition. We know when we have plenty. We are sure when we have a little. However, do we know when we are approaching empty? Like traffic lights, there are several signs that appear early, signaling us to slow down and be ready to stop spending. Sadly, when these amber lights emerge, folks speed up, take on more debt, and later collide with their financial institutions…