Sorry to hear about all those issues Ray. So many people are having exactly these kinds of problems, and I'm sure many are hanging on with the help of their families who do have some savings or equity left to borrow against.

And this is exactly what I meant when I said that the US middle class is being hollowed out. Your two family members personify that awful trend.

Hope you and your family pull through.


If writing ever becomes work I think I'm going to have to stop