[rramadass]

I just remembered; every American should watch the documentary Waging a Living - https://en.wikipedia.org/wiki/Waging_a_Living - Available on Youtube and other sites.

People from other countries may also find it useful, though the lessons would need to be adapted to their own environments.

Our Economic System and Social Conditions are so skewed that many (all?) of the rules that enabled our grandparents/parents to raise and sustain a family without too much risk (i.e. guaranteed income from guaranteed job provided you met the requirements and didn't do anything absolutely self-destructive) no longer apply. Hence of a necessity our adaptation to these circumstances must change accordingly with a greater emphasis on safety-first.