For me, nothing has changed. I am spending my money the exact same way I’ve been spending it for years – cautiously, spending within my means, buying fresh fruit and vegetables and not processed crud, not buying a car every few years, not using makeup or perfume, researching to find the best deal for my purchases, etc.
I haven’t been scared by an expert because I don’t listen to what the experts say. Well, I may listen, but I sure as heck don’t jump at the opportunity to follow their every word. Everyone tends to be an expert about something on some channel or another, and one thing I’ve learned is most people who think they’re experts, and promote themselves as being experts, usually can’t expert their way out of a bag.
Some businesses that will do well in the coming years: second-hand stores of all types (clothes, furniture, books), the movie industry, the homemade industry (or books related to doing things yourself, but not DIY as in “flip this house” – arts and crafts, sewing your own clothes, etc). I’d love to see webzines pick up and start being successful, and some of them will, but the entire web monetization concept will have to be approached in a new way, as web advertisements are trickling up just like regular advertisements are.