Most American families are one or two paychecks from slipping into poverty. Whether it's an illness, death of a spouse, lose of income, divorce, domestic violence or self-inflicted. 50% of middle income families are at risk of falling out of middle income status. 65% of working families could not sustain their current lifestyle in the event of a crisis. When your homelife is unstable - your work life is unstable. Employers, when your employees have an unstable homelife, it will reach the workplace.