1.High Mortgage/Rent
2. Two Income family-just to survive till next month.
3. Behind on bills
4. High Child care costs
5. Dead end retail job.
6. Low paying service job.
7. Stay at home vacations.
8. No promotions/raises.
9. High Expenses.
10. No Quality time for kids and spouse.
11. No Spare time for Friends.
12. High Gas/commute costs
13. Hugh Credit Card Bills
14. No time for Hobbies and or Recreation.
15. No Savings, Investments or Retirement Funds.