 1230 a.m. The buzz of Cincinnati, your talk station. You are listening to the wrap up with Raven Monday. And in the studio with me, I have the money lady, Miss Michelle Graves, and kind of diving into this financial survival kit that she has for us all. Basically, number one is be prepared to downsize and to take some steps back in the way that you are a consumer. You have to really examine just how much of a consumer you are, because that is where all your money is going.