The time it’s most important to be able to laugh is when things look worst. Economic downturns can get pretty bleak when you’re trying to stretch a fixed income or watching hard-earned dollars wither as investments. But this really is the time to remember how to laugh. Humor can be incredibly therapeutic.

Before we go any farther, there’s an important distinction to make as to the kind of humor I’m advocating here. The only person you should be laughing AT is yourself. At your foibles, your shortcomings, your predicament. It’s all fodder for jokes if you are the one making them.

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