Millions of U.S. families find themselves in precarious financial circumstances, living on the wrong side of the growing income and wealth divide. Despite the recent economic recovery, average wages buy about the same amount of goods and services as they did 40 years ago. The federal minimum wage, adjusting for inflation, buys less today than it did in 1968. Income increases have mostly gone to top income earners. Meanwhile, household wealth is even more concentrated. The top 20% of households own 90% of wealth, with an average net worth of nearly $3 million in 2016. Meanwhile, net worth for the bottom 40% of households is negative $8,900, that is, they owe more than they own.