Question: What is currently the greatest challenge to the American Middle Class?

Answer: To discover creative ways to make money

Unless you and/or your spouse reside in that famous "wealthy" tax bracket that we heard so much about during the 2008 presidential campaign, you may be experiencing some severe financial challenges in the current economy. That "wealthy" tax bracket starts at $250,000 per year and extends all the way to Warren Buffet or Bill Gates' stratospheric income levels. Unfortunately, most of us only wish that we had this problem. Creating ways to make more money will improve your position.

The financial stress that so many Americans are suffering did not suddenly occur as a result of the global economic crash. The global meltdown was actually the fatal blow in a situation that had been building for decades. This fact was apparent by the enormous debt load that millions of Americans carried when the collapse occurred.

The stark reality is that too many individuals and families don't make enough money to live comfortably in today's society. If you can't live comfortably while you are in your earning years, what do you expect your retirement to be like? By the way, this situation includes the vaunted "middle class" which supposedly drives the economy. It would seem that the fabled "American Dream" has become a perpetual moving target and the gap keeps increasing. Right now the American middle class is collectively wondering how we can 1. Survive and 2. Put our financial futures back on track. The answer is to make more money.

We at MoneyEmploymentBusiness.com (MEB) see the possibility of the economic downturn of 2009 lasting much longer than predicted and further, that the post recession economy may never resemble what we have been accustom to. This will most likely be the case regardless of what the federal government does. Consider that an article in the Wall Street Journal (May 1, 2010) entitled Meet the Unemployable Man quoted a prediction that "when the economy recovers five years from now", one in six men age 24 to 54 will not be working".

We suggest that the American middle class will have to become much more creative and assertive in controlling our financial destiny. We all want to know that we can secure comfortable lives for ourselves, our families and our descendants. The reality that we must now embrace is that we cannot rely on our employers or the government to guarantee our financial well being. We will have to find creative ways to make money.

To live well, you must always optimize your financial situation. If you are gainfully employed, this starts with maximizing your income whether it is a salary or hourly wages. If the salary/wage ceiling at your current employer is not sufficient, you will have to adapt. Some of your options might be: find a new job that pays better and has added upside potential; find a second job or a home based business start-up that supplements your day job salary/wages. Your ultimate goal is to have a surplus of money after all of your bills are paid. With this surplus you will begin an investment program with the objective of building the kind of true wealth that assures your own future and that of your survivors.

MEB is a resource to assist in the transformation and survival of the American middle class. Please take a few minutes to learn more About MEB and how we will help you create ways to make more money to always optimize your financial position.