The speed of the economic developments of the last 18 months took people throughout Ireland by surprise. First it was the dramatic fall in property prices, then the near collapse of the banks and as a result an increase in job losses. Understandably this has left many unsure about their short-term and long-term security. Up until this point most people have spent the last 18 months simply reacting to events in order to survive, however by putting a well thought out financial plan together, not only can people survive these times but they will thrive.