Powerless
If you are living paycheck to payday and have a ton of debt, it's pretty much like being powerless. I know how that feels- hell even still do at times! All the worry about losing your job just for some extra cash flow isn't worth it in my opinion; all we need is enough saved up so when things get tight during these tough financial moments (and they will) our boss can be ignored until everything blows over again...
I'm not sure if this means anything but there needs more content with examples showing what people should try doing instead