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Author:Amelia Louise Warren Tyagi (born September 2, 1971)is an American businesswoman, management consultant, and author. She co-founded and is president of the placement firm Business Talent Group, is a trustee emeritus of progressive think tank Demos, and co-founded HealthAllies (now part of UnitedHealth Group).] She co-authored two books, The Two-Income Trap and All Your Worth, with her mother Elizabeth Warren. She is a board member for the non-profit organization Fuse Corps and a former commentator for the radio show Marketplace.
Early life and education Tyagi is one of two children of Elizabeth Warren and her first husband, Jim Warren. Her stepfather, Bruce H. Mann, is a legal scholar.Tyagi earned a Bachelor of Arts degree from Brown University and a Master of Business Administration from the Wharton School of the University of Pennsylvania.
Career Tyagi worked for consulting company McKinsey & Company. before becoming the current president of the Business Talent Group (BTG), which she co-founded in 2007 with Jody Greenstone Miller, BTGs current Chairman of the Board of Directors.BTG works with "40% of Fortune 100 companies" to provide independently contracted talent for business projects.
Personal life She is married to Sushil Tyagi, a film producer and entrepreneur with whom she has three children.She appeared on Dr. Phil with her mother to promote a book they wrote together.The Cut has called Tyagi her mothers "side kick." Synopsis: In this revolutionary exposé, Harvard Law School bankruptcy expert Elizabeth Warren and financial consultant Amelia Tyagi show that todays middle-class parents are increasingly trapped by financial meltdowns. Astonishingly, sending mothers to work has made families more vulnerable to financial disaster than ever before. Todays two-income family earns 75% more money than its single-income counterpart of a generation ago, but has 25% less discretionary income to cover living costs. This is "the rare financial book that sidesteps accusations of individual wastefulness to focus on institutional changes," raved the Boston Globe. Warren and Tyagi reveal how the ferocious bidding war for housing and education has silently engulfed Americas suburbs, driving up the cost of keeping families in the middle class. The authors show why the usual remedies-child-support enforcement, subsidized daycare, and higher salaries for women-wont solve the problem. But as the Wall Street Journal observed, "The book is brimming with proposed solutions to the nail-biting anxiety that the middle class finds itself in: subsidized day care, school vouchers, new bank regulation, among other measures." From Senator Edward M. Kennedy to Dr. Phil to Bill Moyers, The Two-Income Trap has created a sensation among economists, politicians, and families-all those who care about Americas middle-class crisis.
Quotes: 1. divorced and single women werent the only ones in trouble; several hundred thousand married women filed for bankruptcy 1. over-consumption is tearing at the very fabric of society, it isnt about buying a few goodies with extra income; it is about going deep into debt to finance consumer. todays families are spending more on these frivolous items than ever before. The "urge to splurge" is driving folks into economic ruin. When the microwave oven, dishwasher, and clothes dryer are combined with the refrigerator, washing machine, and stove, families are actually spending 44 percent less on major appliances today than they were a generation ago. That is not to say that middle-class families never fritter away any money. A generation ago no one had cable, big-screen televisions were a novelty reserved for the very rich, and DVD and TiVo were meaningless strings of letters. So how much more do families spend on "home entertainment," premium channels included? They spend 23 percent more—a whopping extra $170 annually. Computers add another $300 to the annual family budget. But even that increase looks a little different in the context of other spending. The extra money spent on cable, electronics, and computers is more than offset by families savings on major appliances and household furnishings. 2. exactly what everyone knows a second income provides. But what if it doesnt? What if the modern two-earner couple is actually more vulnerable than the traditional single-breadwinner family? A generation or so ago (and even today), the typical one-earner family usually described the father as responsible for the economic health of the family, with the mother assigned to roles such as homemaker or helpmate. To the extent that she had an economic role, it was seen as one of careful spending; it was her job to ensure that Dads salary went as far as possible, and so she mended torn shirts, packed bag lunches, and counted the familys pennies. Her economic contribution, in effect, was that of careful guardian of what her husband brought home. 3. Conclusion: 1. Few families have substantial savings, so they usually run out of cash within a month or so. Soon the charges start mounting up for the basics of life—food, gasoline, and whatever else can go on "the card." When there still isnt enough to go around, the game of impossible choices begins. Pay the mortgage or keep the heat on? Cancel the car insurance or the health insurance? Meanwhile, interest and late fees have piled on, making everything more expensive. 1. In old good time, dad is the bread-winner, mom stayed home and take care of the kids. But now, the double income family can’t bring more money for all the furnishing. Entertainment bill ,healthy investment and mortgage. Furthermore, they need to face the burden of losing job in a short blink of time. The safety net lost immediatedly. Married couple face more than all the single and divorced couples. 2. They paid their bills because it was the right thing to do; they would have died of shame rather than default. But today, the myth declares, the old morality is dead. We live in a time of easy virtue and decaying standards. "abuse the system" in order to "get around debts for which they are very capable of paying." 3. If a woman stays in the workforce, she will gain experience and make more money. And, if she makes more money, she will be better off if her husband leaves her—or so the argument goes. Once again, we focus on the circumstances of the middle-class family. There has been a great deal of news (much of it bad) about the plight of the low-income single mother. Trapped in poverty without a husband, with a limited education and dismal career prospects, garnering little support from the state, the community, or from the childs father, chronically poor mothers have become the living symbols of the rough underside of the economy. But what about middleclass 4. How to avoid the Cement Life Raft on the bankruptcy bill? A single mothers got help when their ex-husbands filed bankruptcy because these men could discharge credit card debts and use the money to catch up on their child support. 5. "unbridled consumption." affected every lender and every borrower in the country: The law was different straightforward: State governments wanted to protect their citizens from back-alley loan sharks and aggressive lenders who would cost families their homes. But the states authority to regulate lending within their borders was wiped out by an obscure federal regulation. 6. But what are families spending all that money on "vacations and luxury items," It might gratify the self-righteous bill-payers, but it doesnt square with the facts. Undoubtedly, all that easy credit dangling under everyones noses enticed a few more Americans into buying things they could have lived without. are spending more on some goods, such as computers, home electronics, and pet food, than they did a generation ago. But they are spending less on food, clothing, appliances, home furnishings, and tobaccoa lot less. There is no evidence of an increase in impulse buying or luxury acquisitions over the past thirty years—certainly nothing that could account for a 6,000 percent increase in credit card debt. Moreover, the expenditures that have shown the biggest increases—e.g., housing, health insurance, college tuition, preschool—are the purchases least likely to appear on a credit card bill. If families arent buying more goods, then what are they using all that debt for? They get into debt trying to buy their way out of the Two-Income Trap. The bidding war has inflated the cost of middleclass life to the point that once they have paid the mortgage and other fixed expenses, families have little discretionary income left— 7. We need have the law regulating the use of the credit card on good use of the necessary spend than luxury spend Related reading: 8. The Financial Fire Drill How should a family protect itself from the Two-Income Trap? The deck is stacked against todays parents who struggle to solve financial problems on their own. A generation of bidding wars has launched an army of competing buyers against any family that tries to cut back on its spending. And a generation of layoffs, divorces, and spiraling medical costs has hit pretty much everyone. (1) Can your family survive without one income? (2) You have a problem with your fixed costs. Now is the time to take a hard look at the necessities, not the frills. (3) What is your emergency backup plan? Now is the time for the painful game of "what-ifs." (4) which things you value most, and pay those bills first. Don’t put your familys welfare at stake. (5) But be aware that bankruptcy is essentially a one-time option that will be unavailable again for six years (6) If at all possible, wait until the crisis has passed before declaring bankruptcy. If you are out of work, wait until you have found a new job. If you have a child who is seriously ill, wait until he is better and the health insurance has paid what it owes. It can be extremely tough. (7) For economic man in the late 20th century, child-rearing has become a crummy financial bargain. But the cost of a child is not so neatly packaged. It is not possible to calculate the eighteen-year (or twenty-two-year) price tag of an individual person, with her unique talents and needs, before she is even conceived. Nor does it matter that a prospective parent did not budget for the baby-with-asthma package or the costly diploma at a private college for the kid who was denied admission to State U. Parents make the commitment to meet their childrens needs long before they know the full price. And that commitment will color the parents financial prospects for the rest of their lives. (8) And what about the children who grow up today watching mom and dad work hard all day, only to weep in frustration when bill collectors call them ugly names or repo men circle the family car? Will these children have any interest in becoming parents themselves? (9) There are 63 million parents in America, and with them, you are strong enough to make a difference. (10) This year, an estimated 1.6 million children will go along for the ride when their parents declare bankruptcy. by the end of the decade one of every seven children in the United States will have lived through their parents bankruptcy. (11) A handful of academic studies provides hints about the future these children face. The catalog of damages inflicted on children when their parents divorce—falling test scores, low self-esteem, discipline problems, depression—also applies for middle-class children whose parents are in financial trouble. Financial collapse has an additional downwardly mobile families. 10. We have been to Peter Pans "Never Island", and the sound of the tide can still be heard, but we never want to go again. It was only after watching "The Little Prince" and "Peter Pan" that I deeply understood the importance of the "father" archetype.
When I was still in "Never Isle", the reason, discipline, reality and responsibility given to me by "Father" led me to leave the island and go ashore, and once I went ashore, I could never go back. Because growth is not only time-sensitive, but also a path of no return. But some people have always refused to grow and be responsible for themselves, and missed the time to go ashore. For example, teenagers in mobile games and social networks, their minds are still on Neverland. If they reach 30, they still depreciate the external real world and cannot keep their promises, and they will not be able to go ashore. So at the age of 50 or 60, you can still see the old princes, princesses and old Peters, continuing to wander through the outdated youth, chasing "poor" happiness, and complaining that they are not taken seriously.
But we have all experienced the beauty of "eternal boy" who longs to be seen through at a glance, and to be taken care of and settled down by others. We may still remember spirituality, like to be natural, bright and carefree, and we may still be innocent and curious, and have the courage to take risks in pursuit of freedom. But what frees us from negative traits? Is there a way to excel in repetitive tasks, can develop patience, willingness to obey discipline and take responsibility?
When Peter Pan kept coming back to take Wendy to the island for cleaning, asking her to mend clothes, sew pockets, and help cover the quilt at night, he actually needed a mother as a tool. The complex of "eternal youth" living with the mother and being controlled by the mother just needs the opposite "father" archetype to lead across and find the direction of life. But the paradox is that "father" is the kind of hypocritical and utilitarian adult they hate the most.
The rationality, discipline, and practicality of the "father" archetype, when over-emphasized, become too unexpected. Peoples evaluations, dedicated to pursuing power and their own established achievements, always wearing a personality mask without knowing it, so it is often difficult to be true Get in touch with yourself. At the same time, because they plan too much for the future, they must also have deep death anxiety. In other words, because they are afraid of the emptiness produced by death, they desperately want to leave traces in the world to prove that they have been here and will not be forgotten. Just like Captain Hook on Neverland! The crocodile that was able to swallow him in the end was because the "tick" "tick" clock in the crocodiles stomach stopped. Therefore, "Father" also needs the help of "Eternal Youth" to understand that what life cares about is depth, not quantity. appease.
However, for the "little prince", he did not return to the asteroid in the end, not only lost the rose, lost the fox, but also lost his life. The fox once reminded the little prince: "The time you spend on your roses makes your roses so important", but what the fox didnt say was: "You also tamed me, so dont waste time and energy Go back and find the rose! (Because the rose is a past experience) The rose is no longer a rose, but I am in front of your eyes (the real life at this moment)". How does the little prince learn to distinguish the important order in life? Let your inner fantasies die (roses, or personal rules, or externally judged achievements) and take on a new "father" archetype to support a new life (foxes, or true intimacy, commitment and responsibility)?
So another problem with "eternal boys" is that they are never in a relationship, and even when they have an intimate relationship, they remain psychologically single. They can only be mothers children, but they cannot be someones husband (a little boy who cant grow up is hidden behind many mother-in-law and daughter-in-law problems). If the "eternal boy" has a way to integrate with the "father" and bid farewell to the childish self that should be let go, and the result is that they are all reborn, this may be the meaning of "death to life, life to death".
No wonder Mr. Jung likes Laozi and Zhuangzi so much. If everyone can experience their own individualized heros journey, wouldnt it be "righteousness of life"? When the meaning of life is obtained through participation in this world, this allows the "eternal youth" to learn to take responsibility. Then by being willing to invest time, let the "father" learn to build a deep relationship between people. At this time, the self-integration is complete, and there is room to "enter leisure with no wealth", and perhaps we can understand the state of Zhuangzis "wandering mind in indifference, aura in desert"!(r.6) Synopsis In old good time, dad is the bread-winner, mom stayed home and take care of the kids. They paid their bills because it was the right thing to do; they would have died of shame rather than default. But today, the myth declares, the old morality is dead. We live in a time of easy virtue and decaying standards.
"unbridled consumption." affected every lender and every borrower in the country: The law was different straightforward: State governments wanted to protect their citizens from back-alley loan sharks and aggressive lenders who would cost families their homes. But the states authority to regulate lending within their borders was wiped out by an obscure federal regulation.
If a woman stays in the workforce, she will gain experience and make more money. And, if she makes more money, she will be better off if her husband leaves her. But the double income family can’t bring more money for all the furnishing. Double income trap turns out into no income crisis.
How to avoid the Cement Life Raft on the bankruptcy bill? A single mothers got help when their ex-husbands filed bankruptcy because these men could discharge credit card debts and use the money to catch up on their child support.
The catalog of damages inflicted on children when their parents divorce—falling test scores, low self-esteem, discipline problems, depression. There are 63 million parents in America have an additional downwardly mobile families. This year, an estimated 1.6 million children will go along for the ride when their parents declare bankruptcy. By the end of the decade one of every seven children in the United States will have lived through their parents bankruptcy.
For economic man in the late 20th century, child-rearing has become a crummy financial bargain. But the cost of a child is not so neatly packaged. It is not possible to calculate the eighteen-year (or twenty-two-year) price tag of an individual person, Parents make the commitment to meet their childrens needs long before they know the full price. And that commitment will color the parents financial prospects for the rest of their lives.
You are strong enough to make a difference, we need have the law regulating the use of the credit card on good use of the necessary spend than luxury spend. And learn more about “The Financial Fire Drill”: (1) Can your family survive without one income? (2) You have a problem with your fixed costs. Now is the time to take a hard look at the necessities, not the frills. (3) What is your emergency backup plan? Now is the time for the painful game of "what-ifs." (4) which things you value most, and pay those bills first. Don’t put your familys welfare at stake. (5) But be aware that bankruptcy is essentially a one-time option that will be unavailable again for six years (6) If at all possible, wait until the crisis has passed before declaring bankruptcy. If you are out of work, wait until you have found a new job. If you have a child who is seriously ill, wait until he is better and the health insurance has paid what it owes. It can be extremely tough.
Shared by our book leader Mingli Book: The Two Income Trap The Two Income Trap, Why Middle-Class Mothers and Fathers Are Going Broke, is a 2004 popular nonfiction book by Elizabeth Warren and her daughter Amelia Warren Tyagi. The book examines the causes of increasing rates of personal bankruptcy and economic insecurity in American households.
Authors: Elizabeth Ann Warren (born June 22, 1949) is an American politician and former law professor (at Harvard Law School) who is the senior United States senator from Massachusetts. Amelia Warren Tyagi was a McKinsey & Company consultant, specializing in health care, insurance and education.
Summary (from Google) Americas middle class is facing a hidden danger: bankruptcy. Today, more people file for bankruptcy than get divorced. Contrary to popular belief, money problems are not limited to the poor. Millions of college-educated, hard-working, middle-class homeowners are closer than ever to financial collapse. The roots of this trouble go back to the 1970s, when women began to enter the workforce by the millions. A second paycheck promised to increase family stability and purchasing power, and to give women a safety net in case of divorce, which was also becoming more common. Unfortunately, the rise of the two-income family accomplished neither goal. Todays two-income families earn far more money than their 1970 counterparts but have less disposable spending power.
Causes: Todays two-income family earns 75% more money than its single-income counterpart of a generation ago but has 25% less discretionary income to cover living costs. There are four expenses that suck the resources out of families: housing, education, medical costs, and child care. It takes two incomes to make it for families these days, and the loss of a job by one partner (often caused by a medical condition that ceases to be covered by insurance once the job is lost) can send the family into bankruptcy.
Recommended solutions: subsidized day care, school vouchers, new bank regulation, The two-income trap is faced by dual income middle class families because both incomes are committed to basic, fixed expenses, but they face nearly double the level of risk of job loss or other crisis, meaning the loss of one income is financially devastating. If the book were written today, more attention would be paid to the role of healthcare expenses and medical debt in driving families into bankruptcy.
Expensive child-care: Families with children are nearly three times more likely to collapse into bankruptcy. Then, will even more women decide not to have children? Publicly funded preschool should be paired with subsidies for stay-at-home parents.
Mortgage: Financial products should be subject to paternalistic regulation aimed at protecting consumers from unsound practices. Needs more restricted bank regulation for mortgage. People should not get the mortgage that they cannot afford to pay back. Warren concedes that her ideas would reduce consumers’ access to credit cards and large mortgages but regards that as a good thing — presciently warning, for example, that the then-current boom in subprime lending to low-income and minority households was likely to end in tears.
Education: A key distinctive idea in Two-Income Trap is that much of the nominal gains of adding additional workers to the household have been eaten away by competition for access to good schools. On the way up, everyone wants what’s best for their kids, but there’s only one “best school in town” and only so many houses in that neighborhood. So as more families add a second earner to their portfolio, the prices of houses zoned for the best school rise to the point where everyone needs a second earner to afford the house with access to the good school. At the end of the cycle, nobody is better off but everyone is more prone to bankruptcy due to the more fragile family financial situation. On the way down, families have accumulated an asset in the form of the house, but to sell the house and tap the value of the asset means Warren and Tyagi float as a solution the idea that school districts should eliminate geographical preferences.
Discussion: 1. What is the situation of two-income families (with kids) in Taiwan? Do they face similar problems? Which is the most serious one? Please share your thoughts and experience. - Housing - Childcare - Medical cost - Education About 40% of office workers have become credit card "card slaves". In fact, the reason why many people become card slaves is that they lack reasonable consumption awareness and have no control over their consumption. This is the root cause, too many credit cards is not a critical issue. Besides, we can use credit cards for financial management. Using a credit card to manage money is not only convenient, but also increases your credit. In this way, we will get certain benefits in our normal consumption. My cousin start a new Wenlin Bank Program in campus. Wenlin Bank is a documentary about Wenlin Elementary School in Shulin, New Taipei City issuing its own Wenlin coins as a simulation to teach children to think about the value of money.
2. What help has the government given to the two-income families? Workable? Should the government do more? Don’t ask what the country can do for you, just ask what you can do for your country. Like the Jen-Hsun "Jensen" Huang: don’t walk, Run, Dont walk, either youre running for food, or running from being food. Life is a plan, not a game, you have to make a good plan, not a game to full around. And let others’ to take care for you, you are your own plan maker!
(1) Key technology core: The starting point is to help the disadvantaged groups, with the cleaning service industry or the Long-Term Care as the starting point, so that the disadvantaged groups have basic living ability and reduce the barriers to connecting with the outside world. Therefore, as far as the core technology is concerned, the technology in the house cleaning part is second. The real core is how to manage the work situation of each employee, standardize the life order of employees during non-working hours, and how to use the social platform to establish relationships with new and old customers. A sense of identity, so that new customers are not rejected, and old customers are willing to continue to cooperate.
(2)Challenge assessment: The employees hired by Company are all discriminated against or even spurned, so as long as they go to the more advanced houses to clean, they will be looked down upon and disgusted, which may cause people not to want us to clean again, and Boss need to support them that no matter whether others want us to continue cleaning, we would rather not take this job than be looked down upon. This approach will not only make the employees more confident but also make them trust their boss more. 3. What is your opinions on the “recommended solutions” from this book? - Less or no children? - Bank regulation on mortgage - More public schools including colleges. - Government supported dare care. - Parents can send kids to any school they choose.
First shift: how do we solve this puzzle? Second Shift: What do we really want? The Third Shift: Who Are We Now?
If at all possible, wait until the crisis has passed before declaring bankruptcy. If you are out of work, wait until you have found a new job. If you have a child who is seriously ill, wait until he is better and the health insurance has paid what it owes. It can be extremely tough.
4. Medical insurance is one of the best policies in Taiwan. Can Taiwan keep it without losing too much money (face bankruptcy)? What improvement can be made? The primary purpose of health insurance is to treat rare diseases. What we can do is not not to waste money. If we are not so sick , we can cure ourselves by natural treatment.
For a long time, due to the bias of the medical system, the entire medical education system in Taiwan has also been over-specialized, making domestic doctors generally lack the ability to provide holistic care. Different organs need to see different doctors. No wonder the frequency of seeing a doctor in Taiwan is three to five times that in Europe and the United States.
Today, with a declining birth rate, it is easy for the public to understand that many universities have been unable to recruit students. In the past period of time, after creating demand for masters and doctoral programs, the number of university enrollments has decreased significantly in recent years, and now they have to close their doors.
Similarly, when the government allowed the establishment of hospitals, it was only because it was easier for hospitals to generate demand, so there is currently no discussion of hospitals leaving the market. However, because demand is induced and not necessarily necessary, the abuse and waste of Taiwans medical care is becoming more and more serious. Correspondingly, the quality of medical care is becoming more and more questionable.
Because the quality of medical care is an abstract term for ordinary people, most people think that doctors give medicines, give injections, and perform high-tech examinations to obtain medical treatment, and they are satisfied. Moreover, Taiwans health insurance rates are low and the degree of freedom in seeing a doctor is high. Therefore, the publics satisfaction with health insurance reaches 80 to 90%. It is not easy for the public to understand that there is no such thing as a free lunch, and the people of Taiwan will eventually have to pay the price.
5. What is the current job market for young people (family with kids)? What is your opinion on encouraging youngers to study or work in foreign countries? Right now, the students take the internship in the foreign countries is not for learning but for earning the money. Low salaries and long working hour is the serious problem in Taiwan. All the famous universities announced that the students’ level are far lower than before cos the low birth-rate. Synopsis by Emma Thank you, Mingli, our enthusiastic leader and keen problem seeker filled with life wisdoms to give us a bird view of the book ”Two income trap”. Furthermore, our participants of today’s attendance: Florence, Faye, Lily and Alice, brought the discussion to a climax with multiple perspectives between Taiwan and USA.
In old good time, dad is the bread-winner, mom stayed home and take care of the kids. They paid their bills because it was the right thing to do; they would have died of shame rather than default. But today, the myth declares, the old morality is dead. We live in a time of easy virtue and decaying standards with high consumption of mortgage, health insurance, education cost and taxes. In Taiwan, the government offer a lot of strategies to help young generations, more over, parents with precious traditional traits to save more money and pass on most their properties to the young generations. We still can’t avoid the parasite singles become more and more, and the education level becomes lower and lower.
"unbridled consumption." affected every lender and every borrower in the country: The law was different straightforward: State governments wanted to protect their citizens from back-alley loan sharks and aggressive lenders who would cost families their homes. But the states authority to regulate lending within their borders was wiped out by an obscure federal regulation.
If a woman stays in the workforce, she will gain experience and make more money. And, if she makes more money, she will be better off if her husband leaves her. But the double income family can’t bring more money for all the furnishing. Double income trap turns out into no income crisis.
How to avoid the Cement Life Raft on the bankruptcy bill? A single mothers got help when their ex-husbands filed bankruptcy because these men could discharge credit card debts and use the money to catch up on their child support.
The catalog of damages inflicted on children when their parents divorce—falling test scores, low self-esteem, discipline problems, depression. There are 63 million parents in America have an additional downwardly mobile families. This year, an estimated 1.6 million children will go along for the ride when their parents declare bankruptcy. By the end of the decade one of every seven children in the United States will have lived through their parents bankruptcy.
For economic man in the late 20th century, child-rearing has become a crummy financial bargain. But the cost of a child is not so neatly packaged. It is not possible to calculate the eighteen-year (or twenty-two-year) price tag of an individual person, Parents make the commitment to meet their childrens needs long before they know the full price. And that commitment will color the parents financial prospects for the rest of their lives.
You are strong enough to make a difference, we need have the law regulating the use of the credit card on good use of the necessary spend than luxury spend. And learn more about “The Financial Fire Drill”: (1) Can your family survive without one income? (2) You have a problem with your fixed costs. Now is the time to take a hard look at the necessities, not the frills. (3) What is your emergency backup plan? Now is the time for the painful game of "what-ifs." (4) which things you value most, and pay those bills first. Don’t put your familys welfare at stake. (5) But be aware that bankruptcy is essentially a one-time option that will be unavailable again for six years (6) If at all possible, wait until the crisis has passed before declaring bankruptcy. If you are out of work, wait until you have found a new job. If you have a child who is seriously ill, wait until he is better and the health insurance has paid what it owes. It can be extremely tough.
1. https://www.amazon.com/Two-Income-Trap-Middle-Class-Parents-Going/dp/0465090907 2. https://en.wikipedia.org/wiki/Amelia_Warren_Tyagi 3. https://www.storm.mg/lifestyle/3544814?mode=whole |
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