America's Money: In their own words

Accounts receivable manager, 51, Virginia Beach, Va.

My home went on the market in one of the worst housing markets I've seen in my lifetime. Even my mother on a fixed income helped to pay my bills.

The funny thing, though, is it was a good year. I'm extremely grateful that I had the retirement account, the equity in my home, the credit available and the supportive friends to be able to tap into when immersed in a desperate situation.

My kids are in college and last year there was no money or tuition remission available. Tuition and fees went on credit cards. This year, with the pitiful income I had last year, they'll qualify for financial aid.

This isn't a sob story. This is a story of celebration and hope. Life is good.

NEXT: David Martorano: Waiting for the bust