. >> my name is amanda greubel. i am 32 years old, born and raised in iowa. i've been married for ten years today to my high school sweetheart, josh. he's the high school band director in the same district where i am the family resource center director. we have a 5-year-old son benen, and our second child on the way in december. like a lot american families, we have a lot of debt -- mortgage, two vehicles, and because we both have masters degrees, a lot of student loan debt. >> amanda greubel was invited to testify last summer at a senate hearing on how americans are coping in hard times. when the state cut funding for local school districts, amanda greubel and her husband feared they might lose their jobs. at the last minute, they were spared, although her salary was reduced by $10,000. >> $10,000 might not seem like a lot to some people, but that loss of income required a complete financial, emotional and spiritual overhaul in our family. it means that even though i would rather shop at local grocers, i shop at wal-mart for groceries because that's where th