U.S. Federal Reserve Chairman Ben Bernanke testified before congress today about the Federal Reserve’s view of a distressed economy. He also addressed Congress about the looming “fiscal cliff” he predicts may send the US economy into recession soon. This “fiscal cliff” represents the large number of tax hikes and federal spending cuts scheduled to upset an already hurting economy in the new year (2013).

Bernanke adding nothing more to the Federal Reserve’s plan to wait for increased signs of weakening before spending more money. With the sluggish improvement in the unemployment rate and interest rates stuck near zero, the country’s economic situation appears less than promising.

While he expressed great concern for a long-term economic plan, Americans are finding the need to make long-term financial plans for their future as well.

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