Many Americans are struggling to get out of debt and get their finances back on track in a down economy.  Sometimes extreme measures are even being taken including taking a second job, selling a house to downsize, or getting rid of other assets, sometimes deciding to sell annuity payments.  No matter what it takes, getting your finances back in control is always worth whatever it takes.  The security that comes from having enough money to meet your basic needs, and hopefully a few of your wants as well, is worth the sacrifice of working hard and getting your debt under control so that your family can have safety and security.