Despite their toil, many of the working poor are broke. Frequently they lack health insurance. If a child gets sick, if they lose their job, if a spouse leaves, it can swiftly spell a financial emergency. They sometimes choose between food and rent or between medicine and heat. What’s it like for people in low-paying fulltime jobs, with no savings, falling behind on their bills, sometimes lining up at food pantries, even shelters? And how does this affect the rest of society?