I received a letter recently from a young lady in the Midwest - she did not give her name - that describes an all too common situation; she and her husband have bought land and are in the process of buying more. Between land payments, equipment payments and operating expense there is very little left over to support the family and none to be set aside for savings or emergencies. I get inquiries like this on a regular basis and decided to put some of the advice that I dole out in a column. I also address this situation in my book The Green Revolution Delusion.