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How much longer should we expect times to be tough? "Things will get better, get worse. ... [In] the next two or three years, it will start to turn around," Suze says. "But I'm so sorry to say it will be, in my opinion, 2015 until every single person feels hopeful again."

Which is why Suze says it's so important to look at what you have and be grateful, instead of looking at what you've lost and feel angry. "If you continuously look in the rearview mirror while you're going forward, you're going to get in an accident. And the victim of that accident is going to be you," she says. "Don't compare. You'll feel stronger, you'll have more energy and you'll be able to turn this around."

Be grateful for the savings account you do have or the family that has helped you through. Although she knows it isn't easy, Suze urges everyone to see what they've been through as a kind of blessing. "When you are grateful—when you can see what you have—you unlock blessings to flow in your life."

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Please note: This is general information and is not intended to be legal advice. You should consult with your own financial advisor before making any major financial decisions, including investments or changes to your portfolio, and a qualified legal professional before executing any legal documents or taking any legal action. Harpo Productions, Inc., OWN: Oprah Winfrey Network, Discovery Communications LLC and their affiliated companies and entities are not responsible for any losses, damages or claims that may result from your financial or legal decisions.

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