That's a crappy position to be in  and you shouldn't have to be in it.  But it's also time to consider whether the PFD really makes us blind to the fact that wages have been declining precipitously here for decades, while we have skyrocketing health costs and tuition.  You shouldn't have to work two jobs and your daughters' jobs shouldn't be supporting the family.  The PFD has been a crutch supporting bad employers and poor wages.  It's long since past time to examine that problem, and fix it.