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sport coaching can cost up to $12,000 a person."If the Dow kept hitting a new high each month, I would have been so busy with deals that I would haven't had time or perspective," Loder says. "I'm so grateful that the economy slowed down the way it did. That triggered my boredom, which made me realize how unhappy I was."THE CALM ADVISORDerek Kennedy spent the recession repeating the same message: stay the course.The Tennessee financial adviser didn't have clients wake him in the middle of the night worried about their retirement. Instead, he offered plenty of proactive messages telling them to stick to their investment plan.Consumer Fears Mean Retail Opportunitiesconsumer dead.High unemployment, slow wage growth, tumbling home prices, potential tax hikes involved in the "fiscal cliff" all of these and other factors have been cited as reasons why American consumers just won't be able to spend the way they used to.They've been steadily increasing their spending since the Great Recession ended in mid 2009, with real personal consumption expenditures almost 7% off their lows and significantly above their pre recession highs. Retail and food service sales, meanwhile, are about 24% off their lows, and nearly 9% above their pre recession highs.I know what you're thinking: Consumers, who were awash in debt when the Great Recession hit, are probably abusing debt again in order to keep spending. Wrong.In the third quarter (the most recent data available), Americans' Debt Service Ratio (which looks at debt obligations as a percentage of disposable personal income) came in at 10.61%. That's the lowest it has been