Introduction
A System Out of Balance
“Money really stresses me out. As a teacher, I only get paid ten months of the year and I don’t have enough savings to make it through the whole summer. All I think about is how I’m going to pay the electric bill or my mortgage. I start to think of the extra shifts I have to take at the restaurant and that horrible feeling when a student of mine recognizes me. I live paycheck to paycheck. I just don’t get it. I have a master’s degree. I thought I did everything right. How did I get here?”1
Those were the sobering worries of Sarah, a forty-two-year-old kindergarten teacher in Charlotte, North Carolina. “When I was a little girl, I just wanted to be a teacher,” she recalled, with equal measures of passion and ...
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