Many Americans have discovered a new meaning to the ‘College Experience’: DEBT. Got a son or daughter heading to college? If you’re ‘rich’; it’s probably not a problem. And if you’re officially ‘poor’, there are grants, scholarships, etc. Google 'college savings calculator' to see how much money you need. But if you are Middle Class: Beware! Just how badly middle-class Americans have been hit by college costs is difficult to determine, but nearly all sources point to college

As the case with many today, I was ‘down-sized’ several years ago; long before the 2008 recession. I was scared. I had a 3 year-old daughter, a pregnant wife, and just enough cash to keep food on the table. I managed to do some remodeling work for a while to pay the bills, but it was an unreliable income stream; I needed something more regular. My commercial office cleaning company experience began with asking my chiropractor if I could clean his office (it was not being well