Joe Fitter teaches finance in the prestigious Kelley School of Business at Indiana University, where he is also director of the Strategic Finance Academy. He talked with On Topic about what we should be doing to make sure our household finances are in good order with the rapidly shifting economy. Don't cash in your 401Ks, DO make sure you've got several months of emergency money available to you, evaluate your discretionary spending and more. It's all On Topic with IU and Joe Fitter.