| Lack of current income to pay bills and provide for family | | | | |
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| No accumulated savings to draw from or savings gone | | | | |
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| Lack of benefits (healthcare, sick leave, paid vacation | | | | |
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| Inability to accumulate wealth or wealth has evaporated | | | | |
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| Inability to retire ( no pension, 401K to support retirement without working | | | | |
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| Don’t see the future improving (pay, benefits, promotions) | | | | |
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