We’ve got a problem, folks, and it’s a big one. In today’s economy, much of what used to work doesn’t work anymore. We see the symptoms all around us. People are over-worked, underpaid, and generally stressed-out. For most of us, there’s way more month than money. The job shortage is serious. And, no, higher education is not the immediate answer. A college degree is no longer a guarantee of employment, much less in your chosen field of study. Wages generally are well below the level needed for living debt-free. As a result, many people are driven to using borrowed money (i.e., credit cards) just to make ends meet each month. Of (2 comments)