High workloads, high stress, and low wages are the norm (Greenhouse, 2008), resulting in a lack of work-life balance. As a result, the sector with the highest job growth in America is the low-wage retail and food service sector. (Draut, 2005) Chain stores are everywhere, creating abundant jobs at places like Starbucks and Best Buy. Unfortunately, these types of jobs pay little above minimum wage. This puts the debt-strapped graduate in the impossible situation of having an income, but not earning enough to cover the basics. Additionally, working in the restaurant and retail industry ensures an unpredictable schedule. Some retailers will post work hours only a few days to a week in advance (Draut, 2005), while others will call in their employees at the last minute to fill shifts, thus making it difficult to plan or have a social life. And considering that many graduates work in these fields, it's understandable how this type of job stress combined with financial stress is a recipe for disaster. Additionally, employees often risk losing their jobs when they have to take time off work to care for sick children. (Greenhouse,