FINANCIAL SECURITY IN THE BOTTOM-UP ERA "Times are hard. I feel the burden of the cost of living!" This is one of the most quoted phrases in several Kenyan households in the recent past, and globally, I bet. For those who understand financial times and seasons, the reality of even tighter economic times ahead is an elephant every household must prepare to tackle. All factors in the practical world give clear pointers to a looming global economic crisis, and the call to tighten our belts is inevitable. Like every other post-plague era, a post covid world must face the reality of economic recession. Coupled with other activities like high political temperatures, conflict among nations, and uncommon occurrences like floods and earthquakes, to assume that the economy will suddenly change is a mere 'phantasmagoria' as PLO Lumumba would succinctly put it. Surgical doctors like to say that extraordinary situations call for extraordinary measures. Such are those times. ...