In their pursuit of the good life, Michigan couple Mary and Tom Clark appear to be doing everything right. Both work--she as a middle-school teacher, he as an insurance claims adjuster--to support their two girls, ages 6 and 9. When the Clarks bought their four-bedroom house in Battle Creek six years ago, they put 20% down to get the best interest rate. They have no credit-card debt, economize every way they can--yet can't escape the feeling that they are just a pink slip away from financial disaster. "If Tom lost his job, we'd be hurting fast," says Mary. "I guess it...
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