Although the unemployment rate may have hit a 50-year low of 3.5% in September, many unemployed Americans are struggling to bounce back, says Bankrate, citing the Labor Department’s “discouraged workers” gauge. The ratio of discouraged workers to the unemployed has mostly stagnated since the recession, and some 321,000 Americans have gone four weeks without looking for a job, as they don’t believe there’s anything out there for them. Those working are also struggling with weak pay gains and limited opportunities to increase their hours.