Well, according to our current commander in chief, it’s a “make or break moment” for middle class America. Which is funny, because I was fairly certain such a thing didn’t exist anymore. In fact, there’s probably an entire generation of pre-teens and adolescents out there unable to define the term, considering said generation’s penchant for that truly charming (and I’m being sarcastic here) “I want it and I want it now” mentality.

What can I say? Considering I’m going to be 35 years old in the next month or so, I can remember a time when the middle class was the hard-working, patriotic, so-called backbone of this nation. In other words, if you were willing to work 40 to 50 hours per week, set aside some hard-earned cash here and there (for a rainy day), sacrifice a dream or two on the way and dedicate yourself to your family and career (in that order, one would hope), you had a pretty good shot at your own, personal slice of happiness.

My, how things have changed.

Nowadays, your typical family – one with both parents working full-time ... and part-time on the side – is one that has no memory of that annual vacation, can barely scrape up enough cash for that perfect Christmas gift and is in no way, shape or form in a position to save up for a child’s college years.