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Monica Tsai spends most days on her computer, journaling the details of her ordinary life and coding for a program that seeks to connect strangers online. A self-proclaimed recluse, she's always struggled to make friends and, as a college freshman, finds herself escaping into a digital world, counting the days until she can return home to her beloved grandparents. They are now in their nineties, and Monica worries about them constantly—especially her grandmother, Yun, who survived two wars in China before coming to the States, and whose memory has begun to fade.

Seventy-eight percent of workers live paycheck to paycheck, according to Forbes. Surprisingly, many of these individuals are Gen Xers, people who are supposedly at their financial peak. If you’re one of them, you may have been affected by the recent market downturn. Or perhaps, you’ve been struggling to make ends meet all along. Either way, your life at present may be a constant struggle to keep up with bills and obligations. But the great news is that you now have more options for getting back on the right track and turning your finances around.