Nicholas Wallace ticks the boxes that used to add up to a comfortable life. A full-time job, health insurance, a retirement account, and a household income of about $90,000 (£67,200) in Madison, Wisconsin. On paper, the 34-year-old plastics manufacturer is fine. The bank balance and the anxiety do not match.
His usual beef order, bought from a local farm and frozen for later, recently rose in price by nearly $400 (£300), so the couple cancelled it. To bring in extra cash, Wallace took a second job answering phones at a veterinary clinic.