You know what "makes no sense"? Members of the 1%, like Suze Orman, telling Americans who cannot feed their families (yes, the 50 million that don't have regular "food security") bellowing about that it makes no sense that these folks aren't saving for their retirement.

Suze is very judgmental.

I never ever, ever, ever expected to be served a summons by a bill collector. I also never expected to use my savings to survive a lack of income. I can't retire, I can't get hired. Don't need her to tell me how how I should have paid the electric bill. I have to use what I have. Just try getting public assistance if you have a 401!!!! What options did this report offer to someone like me?

I know this story, except it' s a single mom who had filed bankruptcy, later on lost her job, house went into foreclosure, and had to use retirement to move somewhere else to get a job only to lose another job have it happen again. No other choice out there, sorry Suze we all can't be as perfect as you.

It's really easy to say one should never, ever use their 401k to stay afloat when you have plenty of money! I notice that Suze doesn't offer any advice on what we SHOULD do! After many years of undiagnosed health issues that prevented me from maintaining a long-term work history and thousands of dollars in out of pocket medical expenses, it was borrow from our 401k or lose the roof over our heads. Suggestions, Suze?!

This was a story of my family! It all happened so fast. There is a lot of missing information from that story.

First, my wife had just shut down the home daycare business she was operating because I was do so well in my Management position. A few weeks later I was suddenly downsized. We had no income and had lots of medical bills from a neck surgery I had to have, plus our mortgage and regular bills.

Amy got a job work for the city we live in while I was a stay-at-home dad. With two small boys that weren't school age yet, I would have worked JUST to pay for daycare or take care of them myself (by the way, you stay-at-home mom's have my complete respect! It's not an easy job!) Her income however, was not enough on it's own. I worked on the weekends with a friend who had his own business. As the months went by the debt was piling up. Kids still have to eat and have a place to live.

We started a debt elimination plan offered by Dave Ramsey. My wife came home one day and said that we should consider cashing in our IRA's. After all, what's the point in having a retirement account when your just going pay your existing debt with it? We cashed both of our accounts in and paid down A LOT of debt! Then we able to create a budget that we could live on all the while continueing to pay down our credit cards. When we would pay off one we would take the money that we were paying and put that on another until we had NO MORE credit card debt! Then we paid off our vehicles. We refinanced our house to take advantage of lower interest rates not to borrow more money. We shortened the length of our mortgage from 30 years to 15. We still pay the same amount as before but just doing that saved us over $40,000 in interest alone. We refinanced a second time when the interest rates dropped again and shortened the length to 10 year. This saved us an additional $12,000.

I am happy to report that the only debt we have at this time is $4000 left on our vehicle (had to buy another when our paid off vehicle completely broke down) and our house, which will be paid off in 2019. The vehicle will be paid for by July of 2013. Then we will be completely debt free! We have been reinvesting in IRA's since we both went back to work. It's amazing how much money you can save when you don't have credit card interest to pay for.

Suze Orman needs to know the whole story before passing judgement.

The financial "experts" such as Suze Orman have very little to do with the real world. Some of us do have financial problems relating to mismanagement. However, there are a lot of us out here working as hard as we can and getting nowhere. My husband and I have seen our income shrink in the last three years. We are making $6000 less a year now. Our health insurance premiums have increased by 25% since the passage of the affordable care act. We spend much more for basics such as gas, groceries, and clothing. Groceries alone are 30% more than 4 years ago. We have moved to cheaper housing. I make everything we eat from scratch to save money. I have revived some of the practices of my grandmother, who saw herself through the depression, in order to make ends meet. We carry no credit card debt. We have my college loans we are still paying on and a car loan we had to take out when our old car needed more repairs than could be done. We have taken a loan from our 401k but it was to ensure that we were able to make the payments on our car, which is needed to ensure that we make it to work each day. These financial advisors and politicians don't have the first clue about what it takes to make it these days.

The fastest way out of debt is to MAKE SOME MONEY. And I am not talking about getting a job. There aren't any. Capitalism is about providing something of value to someone else and they will pay you. There are hundreds of ways to do that without waiting for someone to hand you a job:

Americans--change your mindset from waiting for someone to give you a job, for the government to give you a social security check, for anyone to give you anything. Start being of value to other people: get off your butt!