My name is Jo and I define middle-class America: married to Peter with two children in public school, a dual-income, and a church membership. Typical, right? There’s more. We owned two shiny cars, a big, beautiful house, and filled our calendar with work, school, sports, volunteer and social activities (mostly kids’ birthday parties). We also shared qualities the middle class demographic deeply possess, but never talk about, because it stinks. The majority of our monthly income went toward mortgage and car payments, and no matter what “system” we tried, our $7,000 credit card debt wouldn’t budge.