Dear friends, We have 4 mutual support groups we call Family Circles comprising 28 caregivers who attend regularly. Meetings are held at least once a month in the language that members are most comfortable with and so there are Chinese and Malay speaking circles. During meetings, members submit to us a self-report of their household income, expenses, savings, and debt. After a year, the collective data across all 4 circles revealed a 34% increase in the median income and 25% in the mean income. There was also a 100% increase in median savings and 82% in mean savings. Where debt …