March 6, 2013 at 4:27 AM ET
Plenty of investors are celebrating as the Dow Industrial Average set a record on Tuesday … but some Americans aren’t invited to the party.
Families who were forced to raid their retirement savings during the recession because of unemployment lost more than the money they withdrew.
The Dow has more than doubled since the low point of the 2008 recession. But families like Jacquelyn and Chris Goss, both in their mid-40s, have missed out on all of that.
The Gosses, who live in Point Pleasant, N.J., aren't doing badly. But they aren't doing well, either.
The couple has three children and a mortgage, and despite Chris's new job, the family still seems to run out of money before the end of every month.
"Compared to many couples our age we are very fortunate, but I am always kind of surprised that we are not further ahead or even remotely where we thought we would be by now," Jacquelyn said recently, writing to the Red Tape Chronicles to ask for help with her family's finances.
Adding to their financial anxiety -- Chris was out of work last year, and they raided their retirement accounts to survive.
Staring at three potential college students and still paying off Jacquelyn's student loans, they have no idea how they can even start saving for their retirement.
"I can never understand why no matter how much you make … every raise, promotion … never seems to make a difference," she wrote. "As you can see, we could use some guidance."
Click play above to see their story, and discover some of the ways we discussed putting their family on more solid financial footing.
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