Not that long ago it was possible, even typical, for someone to support a family on a single income. Most jobs paid the bills, offered health insurance, funded retirement, and gave employees a sense of stability. But many households now depend on multiple incomes — sometimes from three jobs or more — and some people over sixty-five are forced to pick up second careers or gig-economy work instead of retiring. Meanwhile the inequality between top and bottom wage earners is growing. Fewer people can afford to buy homes, and millions are either behind on rent or being forced out of their living spaces due to the pandemic. Student debt is crippling younger generations, and health-care expenses threaten the financial stability of many. These changes have happened so quickly that many Americans are struggling to understand how we got here.