If you’ve gotten to this point, you have already assessed how you’ve gotten to the point where Changing Your Game is an option and you are certain that your current situation isn’t just a case of bad times hitting everyone. The tough questions, however, are not finished being asked.

At this stage, you are now ready to figure out if you have the financial capabilities of making such a change. This is broken into two categories: The employed and the unemployed, each with their own set of questions.

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For more than a year, ever since the recession started taking its massive toll on the job market, it has become clear that the jobs are much harder to find, and the ones that are available offer far less to employees than they once did. With a recently announced unemployment rate of over 10 percent, the news doesn’t sound like it’s going to get better anytime soon.

And for those in the “be happy you have a job” crowd, is that really the case? Web sites are littered with comments about companies that don’t have employee interests at heart. And once the jobs come back, historically the unemployed will not only have to compete with each other, but also the employed trying hard to get out.

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