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DETROIT, MI - OCTOBER 23: People, mostly union and retired city workers, protest in front of the U.S. Courthouse where Detroit's bankruptcy eligibility trial began this morning October 23, 2013 in Detroit, Michigan. A federal judge will decide if the City of Detroit is even eligible to be in bankruptcy court. (Photo by Bill Pugliano/Getty Images)
DETROIT, MI - OCTOBER 23: People, mostly union and retired city workers, protest in front of the U.S. Courthouse where Detroit's bankruptcy eligibility trial began this morning October 23, 2013 in Detroit, Michigan. A federal judge will decide if the City of Detroit is even eligible to be in bankruptcy court. (Photo by Bill Pugliano/Getty Images)
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How Much Money Will You Need To Retire?

How much money will you need to have in some form of retirement account to maintain or increase your current standard of living?

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PHILADELPHIA - FEBRUARY 11: Blank Social Security checks are run through a printer at the U.S. Treasury printing facility February 11, 2005 in Philadelphia, Pennsylvania. As U.S. President George W. Bush travels the country to stump for his plan to change the Social Security system, opposition continues from some members of Congress and senior citizen groups concerned that the proposal would erode guarantees to the federal retirement program. (Photo by William Thomas Cain/Getty Images)
PHILADELPHIA - FEBRUARY 11: Blank Social Security checks are run through a printer at the U.S. Treasury printing facility February 11, 2005 in Philadelphia, Pennsylvania. As U.S. President George W. Bush travels the country to stump for his plan to change the Social Security system, opposition continues from some members of Congress and senior citizen groups concerned that the proposal would erode guarantees to the federal retirement program. (Photo by William Thomas Cain/Getty Images)
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Can Social Security Be Saved?

Fill in the blank. “Social Security will run out of money in the year _______?” This question has no easy answer due to our economy.

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WESTPORT, CT - SEPTEMBER 18: A man drives his antique car during an auto show of rare and luxury vehicles on September 18, 2011 in Westport, Connecticut. Despite some of the poorest cities in the country, Connecticut has the third highest average median income at $64,644 in America. Nationally the Census data shows that the numbers of the poor have risen to a record 46.2 million -- amounting to nearly 1 in 6 Americans. (Photo by Spencer Platt/Getty Images).
WESTPORT, CT - SEPTEMBER 18: A man drives his antique car during an auto show of rare and luxury vehicles on September 18, 2011 in Westport, Connecticut. Despite some of the poorest cities in the country, Connecticut has the third highest average median income at $64,644 in America. Nationally the Census data shows that the numbers of the poor have risen to a record 46.2 million -- amounting to nearly 1 in 6 Americans. (Photo by Spencer Platt/Getty Images).
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Job Creation: Thank The Rich

With unemployment numbers going down each month there is still a valid concern among American workers about where the jobs are and who actually creates them.

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TAMPA, FL - AUGUST 26: An ice sculpture reading Middle Class is displayed as people gather to protest before the beginning of the Republican National Convention on August 26, 2012 in Tampa, Florida. The convention starts the week of August 27th. (Photo by Joe Raedle/Getty Images)
TAMPA, FL - AUGUST 26: An ice sculpture reading Middle Class is displayed as people gather to protest before the beginning of the Republican National Convention on August 26, 2012 in Tampa, Florida. The convention starts the week of August 27th. (Photo by Joe Raedle/Getty Images)
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Has Anyone Seen The Middle Class? They Seem To Be Missing

The census defines the median household income at $51,017 or a little over $24.00/hr. Individual median income in 2014 is $28,595 or about $27.00/hr.

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A selection of credit and bank cards, along with a green British Telecom phone card, 1986. (Photo by Fox Photos/Hulton Archive/Getty Images)
A selection of credit and bank cards, along with a green British Telecom phone card, 1986. (Photo by Fox Photos/Hulton Archive/Getty Images)
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Friday Fun Facts About Credit Cards

Always pay more than the minimum when paying your credit card bill and pay them off in full each month if you can.

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NEW YORK - SEPTEMBER 23: Traders work on the floor of the New York Stock Exchange during morning trading on September 23, 2011 in New York City. U.S. markets faced another volatile day amidst fears about economic growth in Europe. (Photo by Daniel Berehulak/Getty Images)
NEW YORK - SEPTEMBER 23: Traders work on the floor of the New York Stock Exchange during morning trading on September 23, 2011 in New York City. U.S. markets faced another volatile day amidst fears about economic growth in Europe. (Photo by Daniel Berehulak/Getty Images)
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Who Really Grows Economic Recovery?

Consumers spend more money buying Halloween candy ($2 billion) than was spent in the most recent election.

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FERGUSON, MO - AUGUST 16: People loot the Ferguson Market and Liquor store on August 16, 2014 in Ferguson, Missouri. Several businesses were looted as police held their position nearby. Violent outbreaks have taken place almost daily in Ferguson since the shooting of Michael Brown by a Ferguson police officer on August 9. (Photo by Scott Olson/Getty Images)
FERGUSON, MO - AUGUST 16: People loot the Ferguson Market and Liquor store on August 16, 2014 in Ferguson, Missouri. Several businesses were looted as police held their position nearby. Violent outbreaks have taken place almost daily in Ferguson since the shooting of Michael Brown by a Ferguson police officer on August 9. (Photo by Scott Olson/Getty Images)
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The Business of Ferguson, Missouri

The growing question is one similar to what Detroit has been facing recently. Why spend one more minute in this dying city?

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HAMBURG, GERMANY - DECEMBER 09: A woman checks out the offerings of a jeweler on December 9, 2013 in Hamburg, Germany. According to a recent study people in Germany will spend over EUR 70 billion this Christmas season on gifts, food, travel and decorations, of which they will spend EUR 10 billion online. (Photo by Philipp Guelland/Getty Images)
HAMBURG, GERMANY - DECEMBER 09: A woman checks out the offerings of a jeweler on December 9, 2013 in Hamburg, Germany. According to a recent study people in Germany will spend over EUR 70 billion this Christmas season on gifts, food, travel and decorations, of which they will spend EUR 10 billion online. (Photo by Philipp Guelland/Getty Images)
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Too Much Month — Not Enough Money

Money can produce more money without you doing anything. It’s really an amazing thing.

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A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers / Getty Images)
A shopper pays cash for sales merchandise December 26, 2000 at the Lakeline Mall in Austin, Texas. Stores were hoping that after Christmas shopping could salvage what seems to be a disappointing holiday season. (Photo by Joe Raedle/Newsmakers / Getty Images)
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What Is Money?

I remember thinking to myself, “Is nine dollars a good price for two pretty good sized jars of peanut butter?”

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LONDON - AUGUST 10: Model Ayesha Makim (2nd-R), Sarah Ferguson's Niece, attends a catwalk show and cocktail party launching Australian underwear and swimwear brand 'Bonds' autumn/winter range at Sketch on August 10, 2004 in London. The event follows Pat Rafter and Ayesha Makim, the Duchess of York's niece, unveiling a live three-day window spectacle in Selfridges window. (Photo by David Westing/Getty Images)
LONDON - AUGUST 10: Model Ayesha Makim (2nd-R), Sarah Ferguson's Niece, attends a catwalk show and cocktail party launching Australian underwear and swimwear brand 'Bonds' autumn/winter range at Sketch on August 10, 2004 in London. The event follows Pat Rafter and Ayesha Makim, the Duchess of York's niece, unveiling a live three-day window spectacle in Selfridges window. (Photo by David Westing/Getty Images)
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Private Funding For Social Programs

SIB’s allow government, business, non-profits and investors to work together to solve community problems without putting taxpayer dollars at risk.

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