Just six short years ago, the median net worth of middle class US households was $120,000. Today, it has fallen a whopping 45% to just $66,000 (http://www.nytimes.com/2013/09/19/business/americas-sinking-middle-class.html?_r=0). The number of working-age Americans stuck in part-time employment has more than doubled during the last six years from four million to nine million, and this number is about to take another major leap upwards as Obamacare mandates incentivize companies to cut previously full-time worker to below 30 hours per week, above which the government now requires companies to provide coverage.