Credit card debt is the top culprit, but that may be the result of unemployment or other financial setbacks, not lavish living.
More than 80% admit they don't know what it takes to save.
In short, know when to spend and when to save, and how to donate wisely.
Parents are still saving, but some are struggling and some are using retirement accounts, not the best choice.
Workers and business owners expect to work longer because of the recession. That may not be bad.
Proposed rule would eliminate do-over opportunity.
When you've paid off debt and saved for emergencies and retirement, whatever's left over is yours to do with as you please, right?
They work pretty well in money matters, unless you need absolute certainty.
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