Although we live in one of the most well-off countries in the world most Americans are broke with nearly 80% of households living paycheck to paycheck. Finances represent our top stress as well as a leading cause of high divorce rates. Despite earning millions of dollars over a working lifetime most are forced to either retire broke reliant on a measly Social Security check or continue working into their 70s or even 80s. How did we get here and is this really how life has to be?Life no longer ne