The American dream - on hold

"Wealthy people are those who have large cash reserves and don't have to go to work." -- John Selden

Charlotte
Household income: $350,000
Pediatrician; dentist

The Seldens are adjusting their lives to cope with the economic downturn - and profit from it. John has started a consulting practice to advise other dentists. "I think the economy works in favor of that business," says Selden. "I talk about efficiency, about overhead control." The Seldens are bulking up on stocks in their retirement accounts at today's low prices. "It would be nice if I could look up at 55 and see I don't need to work anymore. Now, I don't think anybody can be that certain."

Read the full story: "Look who pays for the bailout"

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