So what happens if millions of those people suddenly lose their paychecks during the severe economic downturn that is ahead of us?  In 2008, unprecedented numbers of Americans found themselves unable to pay their mortgages when the recession struck, and foreclosures surged to absolutely shocking levels.  Unfortunately, we have set ourselves up for the same thing to happen again.  Most Americans are literally teetering on the brink of financial disaster, and it won't take much to push them over the edge.

According to a survey that was just released, 63 percent of Americans were living paycheck to paycheck in September…

As rising prices continue to outpace wage gains, families are finding less cushion in their monthly budget.