It seems like week after week there is new evidence highlighting the decline of America's middle class.

The latest is a report by the Employment Policy Research Network which found that over the last thirty years, American workers have increased labor productivity by 78 percent, while wages for many have fallen or have remained stagnant.

Here are some examples:

After the amount of savings and assets one has, a credit score is probably the most important number when it comes to personal finance. Having a high score allows for more financial freedom and can save a borrower thousands of dollars on the terms of a loan. The score ranges from 300 on the low end to a high score of 850.

In "Reckless Endangerment," co-authors Gretchen Morgenson and Josh Rosner examine the origins of the crisis, starting in the early 1990s. The co-authors pull no punches and aren't shy about placing blame. (See: Reckless Endangerment: Morgenson, Rosner Name Names — Point Finger at Fannie Mae. )

Having taken a long, hard look back, I asked Morgenson and Rosner about what worries them today and looking forward.

Too Big to Fail: Now, Even Bigger!

"We have even more 'too big to fail' institutions; more politically interconnected, very deep and wide institutions that could create another systemic event," says Morgenson, a Pulitzer Prize-winning columnist at The New York Times. "It's almost as if the situation that brought us to Fannie Mae and Freddie Mac having to be bailed out has now been squared or quadrupled. It's worse, not better."

Rosner, an analyst at Graham Fisher, wholeheartedly agrees.

"The risks are enormous" because there's even more concentration of assets among the biggest