““• Nearly one in four Americans can’t pay their bills on time. • Nearly half of Americans would not be able to cover an unexpected expense of $400. • A lower proportion of Americans own their homes than at any time in the past half century—63.5 percent. • The typical man working full-time earns less today than his counterpart did in 1972. • Nearly one-third of the country’s adult population—76 million Americans—describe themselves as either “struggling to get by” or “just getting by.” The””