Is there really a financial and health care crisis ?

I am a 29-year-old single guy, college educated, making about $40,000 a year – I am debt free and have a 401K and retirement plan. I just do not understand if there really is a financial and health crisis or if the average American is living beyond their means.

I have not really felt the financial crisis everyone is talking about. What is causing the average American’s struggle today, or is there really a crisis going on ?

Yes, wait until you get older and get cancer or heart disease or back problems and they fire you because you made the company’s insurance premiums go up and then you can’t get a fulltime job because they don’t want to give you insurance because you are over 50 and that raises their insurance premiums by itself….so you wind up working at Walmart with no insurance and low pay.