We (My family, of myself, wife and two son's) are lucky.
I have had a very stable job the past 12 years at the same business with great Union pay and benefits. (Haven't been out of work since the 80's.) My wife has been with the same company for 14 years. She can't complain as far as pay and she is on all my benefits.
We haven't gotten ourselves in trouble in the housing market.
And we aren't in a mound of debt. We cut up all our Credit Cards in March of 2003 and just use cash.
Different DT cards and counting