Emily Weinstein graduated from college into an economic meltdown, and as a self-employed jewelry maker she’ll be lucky to bring in $16,000 this year.

Heath insurance is out of reach, so she avoids thinking about what would happen if she got sick, was hurt in a traffic accident or was severely burned while making a silver necklace in her home studio.

“Would I have to declare bankruptcy at age 23 or would my parents have to bail me out?” asked Weinstein, of Portland, Ore. “What would I do?”

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