National Public Radio (NPR) and the Kaiser Family Foundation recently released the results of a study of long-term unemployment in America. The study surveyed a nationally representative, random sample of working age adults about their employment. The study included both the long-term unemployed and the long-term underemployed.
A significant portion, though not most, of the respondents said that they had, at some point in the past two years:
to borrow money from family or friends,
move in with family or friends in order to save money,
postpone getting married or having a child for financial reasons,
their utilities turned off, to sell personal belongings to help pay the bills,
or to take money out of their savings or retirement account.