Family

     >>>>>>>>>>>> The bottom line is no one has disposable income when they are paying all their income for Housing, Insurance, Medical Care and recently, food. The housing market did go south, however, is still unaffordable for many. Hence the Middle Class is the New Poor and the Homeless are a new culture in America. The homeless population exploded in the 80's and continued it's growth to families with children for the past 30 years (before Obama). In the past Middle Class families contributed to the economy by buying food and clothing, household items, cars and little luxuries. Now they are now using food banks and food stamps. The lower income people are now homeless or living in vans or cars and don't buy anything, except gas (even if they are working). The Middle Class and the poor were major contributors to a healthy economy. The economy can't and will never improve if small businesses and big businesses have lost business from the majority of the population. Jobs cannot be created unless people have more disposable income to buy goods and services.