For numerous reasons, many Americans are taking on second jobs. They may have student loans to repay, car and credit card payments to make, in- creased rents and car payments to meet, or possible layoffs to anticipate.

Nancy Trejos, a writer for The Washington Post, points out that primary employers may become concerned about second jobs interfering with ful- filling responsibilities in employees' primary jobs.Obviously, the primary job is more important, but what happens when both employers request overtime work? Or if working two jobs creates family, rest, or social life complications?

1. If you know someone who works two jobs, what has been that per- son's experience in fulfilling responsibilities to each employer while meeting his or her financial goals?

2. What has been that person's experience in balancing competing demands-work vs. family/friends/rest/social life?

3. What would you say to a friend who tells you he or she is working a second job and keeping it secret from the primary employer?