From day one of my professional career, I saved and invested money. At the time my wife and I were supporting my daughter and 5 stepkids. My wife was working at a mental health facility. We drove a 64 Chevy decorated with rust stains and had to have the engine replaced at one time and at another point couldn't afford to replace the thermostat so we had no heat in the car for at least one winter. Everybody has their own story of woe, but sometimes there are circumstances that result from bad decisions, lack of presence of mind, failure to anticipate variables, or just the slings and arrows of outrageous fortune. We provide our fellow Americans with a good deal of help; beyond that I don't know what we can do or should do.