Jillian Berman
January 30, 2013

Kevin Price is one emergency away from not being able to cover his basic needs, but he doesn’t fit the stereotype of someone living on the financial edge.

Price lives in a three-bedroom house with his wife and two children in a suburb of Wilmington, Del. The family owns two cars, the kids participate in high school sports, and they all attend church services regularly. Price works full-time, as does his wife, and thanks to her job, the family has access to health insurance. But after covering rent, the cost of insurance for Price, his wife and their two children and other basic expenses, the couple had just $223 left in the bank in January.

Of his precarious financial situation, Price, 44, said, “It’s like Muzak in the back of your head. It’s a constant little annoyance.”

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