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6 years ago, the economy was roaring. Stock prices were going up, interest rates were staying low, and unemployment was down. A few months later, those indicators all were going in opposite directions. Now, it's hard to tell from day to day where we stand. I'm optimistic that the current situation is a short-term one, and that long-term prospects are for growth and good times. But that doesn't mean that there won't be dips, sometimes deep, along the way. The question is: Are you positioned to take advantage of the good times and navigate the bad? You have to expect one as well as the other. Fortunately, there are "shifts" you can take that will serve you well during both. 1. Get out of debt. The quicker the better. You can't take advantage of opportunities when you're mired in debt. And there are opportunities in both good times and in bad. In both, debt keeps you from profiting from the opportunities that present themselves. In bad, it magnifies ...