There's no doubt the banking and financial crisis has created a mountain of turmoil — with or without the so-called "rescue package."

Just who is this package rescuing, we ask; Certainly not hard-working Americans like us — we're the ones that'll end up paying the ultimate price for all those banking and financial fat cats!

Knowledge is key, however. If you know ahead of time how this crisis (and its less-than-ideal solutions) will affect your money, there are plenty of things you can do to cushion the blows ahead. Read on to find out more...

Next: #1: Higher bank fees