RICHMOND — At Virginia Military Institute, where three to six cadets share rooms “so small they put their bunks up during the day so they can get around,” officials had expected roommates also would share the swine-flu virus.

But that’s not happening,” said VMI spokesman Stewart MacInnis. “We’re really not sure of the pattern” of how the virus is spreading among cadets on the Lexington campus, he said.

Suze Orman says it. So do the other financial advisors I see in magazines, newspapers and on television. It keeps popping up. The advice is this: Take care of yourself first; only after you are sure that your financial future is secure do you help anyone else.