>> math doesn't work. >> the math doesn't work. >> smith: debbie skoczynski was already in a hole withext to nothing to cushion the blow of a second shock, and now her house was worth less than the loan she owed the bank. >> you know, there's some days where it's like you just want to go scream, you know, in the backyard, just scream, because you have your choice: do you pay this or do you pay this? >> smith: her bills were piling up. she did what a quarter of americans have done: she dipped into what was left of her 401(k). >> i freaked out when i took the money out of my 401(k). it was hard. i mean, you know, you never... every day on the news, i'd listen to it and i'd be like, "oh, god, it's really bad. will i be able to keep my house?" you know, "what if my car breaks down? i can't afford a car payment." it just can't be this hard to make money. it can't. you hear these big companies with these people taking these huge bonuses. you're thinking, "well, what happened to the average joe?" they just don't care. they made their money already. >> growing outrage over those bonuses on wal