Debt Stress Index' By Laura Choi

The situation Ehrenreich is describing is the reality of millions of Americans; they work multiple minimum wage jobs, and are paid “so meagerly that workers can’t save enough to move on.” In addition, Ehrenreich recalls the actions of the U.S. government in regards to assisting these Americans. The article opens with the contribution of President Lyndon B. Johnson on the “War on Poverty”, then the “attack on welfare” in the 90s, concluding with The Great Recession. While writing Nickel and Dimed: On (Not) Getting by in America, Ehrenreich abandoned her comfortable life to live the life of a low-income American; she worked multiple entry level jobs including Wal-Mart, a maid service, and as a nursing home aide. Through these actions, Ehrenreich establishes her ethos. Because she’s lived the lifestyle she’s describing, she has the authority to speak on the topic. Ehrenreich concludes with her proposal to help the

People are still living on $2 a day here in the United States. As one of the wealthiest countries in the world, how is it possible for people to live with this little amount of money? I know that I cannot. In $2.00 a Day, Jennifer Hernandez, a single mother with two kids, is a person who lives on $2 a day as she tries to survive and support herself and her kids in the collapsing economy. The minimum wage job for cleaning houses reinforces the cycle of poverty that Jennifer and her kids live in. This cycle of poverty reveals that there needs to be major changes to the economical infrastructure of the United States since the poor cannot get themselves out of poverty even though they actively look for work or have a job.

Everyday in the United States there are families who struggle to make ends meet and struggle to fully provide for their families. Since the 1960s, poverty in the United States has only increased dramatically. It is said that one in six Americans today is living in poverty (What is poverty?). In this book, we learn about different families and their struggles. The information in this book describe instances about welfare, different areas of the population where there are more occurrences of poverty, and a few different families experiences of how they make it day by day to survive. Some of these common organizations that help families that live in poverty may include, food stamps, certain food programs (if

Overall, this exercise showed me the very real struggle that those who live in poverty face when trying to simply provide the bare necessities such as housing and food. Even so, the need for reform in intense. The first step in overcoming the financial barriers of poverty is not merely raising minimum wage or providing more governmental assistance, but the main area that needs reformation is in the eyes of the American populace. By changing the viewpoint of Americans who are not in financial poverty, the rest of the reform will follow

Poverty is present in today’s U.S. social system. For example, as Lesser states in the Clearinghouse Review, “Forty-six million Americans live in poverty” (1). Lesser then goes on to say how forty-six million Americans living in poverty correlates to almost one in every three single-parent families is poor (1). This is a daunting fact as it applies to today’s economic context with “rising unemployment rates and mortgage crises driving more individuals and families to seek the support of a cash-strapped social welfare structure” (Grijalva 1). With this in mind, many legislators are discussing the topic of poverty in the political realm. In order to tally the score of representatives the Sargent Shriver National Center on Poverty Law conducted its sixth annual Poverty Scorecard. “The 2012 Poverty Scorecard grades the voting record of every U.S. senator and representative on the most important poverty-related votes in 2012” (Lesser 1). The 2012 votes covered a range of topics such as budget and tax, food and nutrition, health care, housing, and many more (1). The results of the 2012 Poverty

The city of Reading, Pennsylvania, boasted a poverty rate of 41.3 percent in 2011. Due to this fact, an article in the New York Times was written about this southeastern Pennsylvanian city of about 88,000 inhabitants. The article was titled “Reading, Pa., Knew It Was Poor. Now It Knows Just How Poor (Tavernise, 2011).” This article designated Reading as having the most residents living below the poverty line of any other urban area in the United States with greater than 65,000 inhabitants. This designation brings with it many challenges, one of which is the difficulty of leading a healthy life

The author describes various solutions to fighting poverty across the U.S as well as how poverty can affect individuals. The authors research focuses on the life of Tianna Gaines- Turner and her husband in that even though they both work. It's not enough to cover the expenses they are having to do for themselves and children. And since they can’t sustain the family they can get food benefits such as SNAP. Furthermore, the author also mentions some solutions to fighting poverty. Like increasing federal aid, federal housing programs, as well as individuals that have businesses can help to ease poverty in the U.S.

The debt might be a contributor or it may not be. In August, 2014 seventy-two percent of Americans feel financially stressed (apa). The wealthy suffer from financial stress as well as the poor. Financial stress causes health risks such as ulcers, migraines, and sleep disturbances to many other disorders that can affect a person’s daily life (everydayhealth). The stress that is caused when spending too much money or wasting money on pointless items can be tremendous money. Even if the wealthy do live a luxurious lifestyle, it soon will lead to bad side effects. When financial stress occurs, a wealthy person assumes that if paying back whatever it is that is needed to be paid back, the struggle will be fixed. Many wealthy people do not begin a realistic budget to help monitor their spending, which will help lower stress levels (everydayhealth). If people are too busy buying or spending money on expensive items on a whim and finally see the all the bills afterwards will lead to financial stress. Not everyone will experience this because they know how to control themselves. Other people have the leisure to not worry about spending too much on the latest item. They simply do not care about what happens afterwards. Everything will slowly build up and create health disorders like stress, depression, or anxiety. The wealthy may not think or have a second thought about how

So if the poor of today earn roughly the same in current dollars as those many years ago, how do they afford their “elevated” lifestyle? The answer lies in over 200 Federal and State programs designed to support them until they are able to thrive independently. The most popular include the Temporary Assistance for Needy Families (TANF), Food Stamps,

However, this system of measuring poverty is flawed because if a family makes a dollar more above the set limit, they do not qualify for financial help from the government (NCCP, 2008).The poverty threshold is an inadequate measure of whether people are considered poor or not. Current poverty measures are flawed because it assumes how much a family spends and does not accurately include family resources such as Earned Income Tax Credit (NCCP, 2008). The way that the government measures poverty is based on outdated information that was set in the 60s. Because it has not been sufficient to keep up with the standard of living, those who are living in “high cost cities like New York and those who live in rural areas of the country” (NCCP, 2008) are barely getting by.

But federal aid programs have not helped the poor become self-sufficient or reduced the poverty levels. Ever since welfare has been created it has weakened the American work ethic and encouraged out-of-wedlock births. That unfortunate “tradition” keeps getting passed down from generation to generation (DeHaven). An abundant amount of families out there truly need assistance. The troublesome reality is that the number of people trying to take whatever they can get outweighs the number that’s just trying to get back up on their

In America today, millions of people suffer from a lack of basic needs due to a shortage of reasonably paying jobs. A growing percentage of Americans are falling below the poverty line, and, in recent years, the rapid growth of technology is destroying blue-collar jobs. For example, 55-year-old Glenn Johnson of Miami is making about $14,000 a year - or $7.93 an hour - working at Burger King and Walmart. Johnson is a single parent who toils day and night to provide for his family. He gets home at 1 or 2 a.m., but despite his hard work, he depends on food stamps. Johnson described his daily routine to the Huffington Post as “pure hell.” Unfortunately, this is a reality for more than 45 million Americans, roughly 15 percent of the American population,

So many people in the American society live paycheck to paycheck and are one financial catastrophe away from financial ruin. In my own experience, after my husband’s employer continually embezzled from employees and clients, we found ourselves in a terrifying position. Jobless, penniless, and entrenched in mountains of subsequent debt, we were acquainted with the terror many American’s face while struggling to keep food on the table and a roof over our family. Just as the chapter 9 in our textbook describes, Aaron and his wife quickly realized that their income was “no longer sufficient to meet their needs,” (Openstax Intro to Sociology, 2015), we found ourselves in the same position. During my husband’s search for a new job, he began doing all he could to keep food on the table. He participated in tree removal, a laughable wage for hard physical labor. In desperation, I took a full time babysitting job looking after two very difficult little girls for a measly $250 a week. Looking back, although the situation was terrible and trying, we cannot wish it away. The situation taught us what mattered. There were so many things my family took for granted. The situation opened our eyes to the trials and suffering of many people in our society and allowed us to develop compassion, love, and understanding. Now, as we think back to our own struggles, it is much easier to reach out

One can get tired thinking about all of the sicknesses one could get from eating unhealthy. High medical bills can leave one bankrupt. The problem that comes with unhealthy eating also comes with high medical cost. Doctors who specialize in illnesses dealing with eating disorders and heart diseases tend to have high premium cost. You have to put at least six hundred dollars or more just for the visit. Medical illness can be a financial nightmare leading to bankruptcy. (Jeanie Lerche Davis, Feb. 2, 2005,). The way our economy has fallen,

The pinpoint cause of poverty is challenging to find. People who live well off and are above the poverty line may be quick to assume that laziness, addiction, and the typical stereotypes are the causes of poverty. Barbara Ehrenreich, a well known writer on social issues, brings attention to the stereotypical ideology at her time, that “poverty was caused, not by low wages or a lack of jobs, but by bad attitudes and faulty lifestyles” (17). Ehrenreich is emphasizing the fact that statements like the one listed, often influence readers to paint inaccurate mental pictures of poverty that continue to shine light on the ideology of stereotypes being the pinpoint cause to poverty. However, there are many other causes that are often overshadowed, leaving some individuals to believe that poverty was wrongfully placed upon them. Examples would include: high rates of unemployment, low paying jobs, race, and health complications. Which are all out of one’s ability to control. There is no control over a lack of jobs and high rates of unemployment, nor the amount of inadequate wages the working poor receive. Greg Kaufmann, an advisor for the Economic Hardship Reporting Project and The Half in Ten campaign, complicates matters further when he writes, “Jobs in the U.S. [were] paying less than $34,000 a year: 50 percent. Jobs in the U.S. [were] paying below the poverty line for a family of four, less than $23,000 annually: 25 percent” (33). Acknowledging Kaufmann’s fact, the amount received for a family of four is fairly close to the yearly salary of a high school graduate, which means, receiving that kind of pay for one man may seem challenging, now imagine caring for the needs of four individuals. To make matters worse, certain families receive that amount of money and carry the burden of paying for