Hasn't really affected me yet. I was broke before it started, so any traumatic losses were already dealt with...
I'm extremely nervous about the future, however. Retail numbers are absolutely horrible right now; people have just stopped spending, which is going to (of course) make things even worse. I work as a bookkeeper at a large grocery store right now. There's three of us. I could easily design a system that would enable them to cut that to one full time and one part time bookkeeper. Easily. And, of course, I'm number three...