I am a 26 year old man, i have a 2 year old son.  I have worked for Wells fargo and JP Morgan Chase, both of those jobs were outsourced overseas and i was forced to sign a non disclosure agreement to get a severance package.  I now work at a hospital ware, for the past 2 years they haven’t given out raises and as of January 1'st 2012 i will be laid off due to the economy.  I have about 9k in debt because i cant choose between food and rent, i have a child to feed.  I’ve been filing exempt for over a year just to afford less debt.  When my debt to income ratio collide and i can lo longer afford food or rent, I’ll get a third job and see what happens. 

What would life be like to worry about what my sons doing, instead of wondering?…