You jolt awake in a cold sweat. Your jaw is aching from grinding your teeth. Before you have a chance to even turn over in a feeble attempt at going back to sleep (if it can even be called “sleep” these days) your thoughts kick into high gear. Your head is spinning with a hundred questions, all of them seemingly unanswerable. Why is this happening? Why didn’t I see it coming? Why didn’t I plan better? What’s wrong with me? What if it doesn’t get better?

It’s every fear you think about during the day, but somehow magnified.

As our economy crumbles or stumbles, and the world changes faster than any of us could have anticipated, more and more people are laying in bed, tossing and turning, stressing and worrying. What are they worrying about? Everything. Mostly problems. Unresolved problems which, at 3AM, tend to grow into something bigger, more treacherous, and less solvable than at any other time of day.

At 3AM, nothing makes sense. Welcome to The Club.

Cliff Pia is an entrepreneur, creative director, speaker, Principal of Coalesce, a change communications company specializing in M&As and internal branding, and President of the Millennium Creative Group, Inc., a commercial and interactive content production company in CA and NY. Clients include Adobe, AOL, Birdseye, Cranium, Diageo, Disney, Dove, Epson, M&M Mars, NEC, Nivea, Miller Brewing Co., Procter & Gamble, Pixar, Starbucks, Sony, Virgin, and all the domestic and International PepsiCo brands.

Cliff has been making appearances on TV and radio shows, holding workshops in southern California, offering webinars, e-courses, and soon will be releasing a series of e-Books including The 3AM Club: An Insomniacs Guide to Losing Your Job , The 3AM Club: An Insomniacs Guide to Marriage , The 3AM Club: An Insomniacs Guide to Handling Stress, and The 3AM Club: An Insomniacs Guide to Better Sleep, to help people trying to navigate the murky waters of financial adversity.