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SOUTH PADRE ISLAND, TX - MARCH 26: Students participate in a wet t-shirt contest at the MTV Beach Bash party put on by Global Groove at the Bahia Mar Hotel during the annual ritual of Spring Break March 26, 2008 on South Padre Island, Texas. The South Texas island is one of the top Spring Break destinations and attracts students from all over the country. (Photo by Rick Gershon/Getty Images)
SOUTH PADRE ISLAND, TX - MARCH 26: Students participate in a wet t-shirt contest at the MTV Beach Bash party put on by Global Groove at the Bahia Mar Hotel during the annual ritual of Spring Break March 26, 2008 on South Padre Island, Texas. The South Texas island is one of the top Spring Break destinations and attracts students from all over the country. (Photo by Rick Gershon/Getty Images)
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How Much Should You Do For Your Kids?

Life is tough and the world is tough. In real life not everyone gets a trophy. In real life they use red pens and they don’t care if they hurt your feelings.

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President Clinton draws a downward line on a chart, unveiling his budget for the year 2013 February 7, 2000. The President is sending Congress a $1.84 trillion farewell budget with surpluses that he proposes using to wipe out the government public debt, provide modest tax cuts and greatly expand government health care. (Photo by Mark Wilson)
President Clinton draws a downward line on a chart, unveiling his budget for the year 2013 February 7, 2000. The President is sending Congress a $1.84 trillion farewell budget with surpluses that he proposes using to wipe out the government public debt, provide modest tax cuts and greatly expand government health care. (Photo by Mark Wilson)
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Are You Making These Debt Reduction Mistakes?

A low credit rating can have an adverse affect on home and car loans, car and home insurance rates, and rental housing costs.

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WASHINGTON, DC - MARCH 28: Social Security supporters attend a rally in the Dirksen Senate Office Building on Capitol Hill March 28, 2011 in Washington, DC. Democratic senators, including Senate Majority Leader Harry Reid (D-NV), said the Republicans' entitlement reform plan will 'dismantle Social Security, delay distribution of benefits to seniors.' (Photo by Chip Somodevilla/Getty Images)
WASHINGTON, DC - MARCH 28: Social Security supporters attend a rally in the Dirksen Senate Office Building on Capitol Hill March 28, 2011 in Washington, DC. Democratic senators, including Senate Majority Leader Harry Reid (D-NV), said the Republicans' entitlement reform plan will 'dismantle Social Security, delay distribution of benefits to seniors.' (Photo by Chip Somodevilla/Getty Images)
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Be Poor Now Or Be Poor Later

If I could go back in time and change one thing in my life I would look harder at how to retire with a higher income and retire earlier and enjoy life more.

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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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Mick Delaney
photo courtesy of gogriz.com
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Montana Head Football Coach Mick Delaney Announces Retirement

Montana Sports Information issued the following press release late Sunday.
University of Montana head football coach Mick Delaney will retire at the conclusion of the 2014 football season, the long-time mentor announced today (Sunday, Nov

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CENTENNIAL, CO - DECEMBER 06: Seniors attend a 'Medicare Monday' seminar at the Holly Creek retirement community on December 6, 2010 in Centennial, Colorado. Some 80 people crowded into a conference room to learn how federal health care reform will affect Medicare and their personal health insurance plans. Many seniors nationwide have been confused by the reforms and fear they will lose coverage. (Photo by John Moore/Getty Images)
CENTENNIAL, CO - DECEMBER 06: Seniors attend a 'Medicare Monday' seminar at the Holly Creek retirement community on December 6, 2010 in Centennial, Colorado. Some 80 people crowded into a conference room to learn how federal health care reform will affect Medicare and their personal health insurance plans. Many seniors nationwide have been confused by the reforms and fear they will lose coverage. (Photo by John Moore/Getty Images)
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How Secure Is Your Future Social Security?

If you're between the ages of 40 and 66 you need to seriously think about how much money you’re going to need in order to have any kind of comfortable lifestyle.

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SEPTEMBER 16: Traders work the floor of the New York Stock Exchange on September 16, 2013 in New York City. The Dow Jones Industrial Average traded up 119 points, closing at 15,495. Five years after the beginning of the financlial crisis, Wall Street has more than recovered its losses, although unemployment nationwide remains high. (Photo by John Moore/Getty Images)
SEPTEMBER 16: Traders work the floor of the New York Stock Exchange on September 16, 2013 in New York City. The Dow Jones Industrial Average traded up 119 points, closing at 15,495. Five years after the beginning of the financlial crisis, Wall Street has more than recovered its losses, although unemployment nationwide remains high. (Photo by John Moore/Getty Images)
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Are You Financially Healthy?

Americans are not great savers; they don’t always handle credit responsibly, and often live beyond their means. The good news is all is not lost.

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CHICAGO, IL - NOVEMBER 02: A trader signals an offer in the Eurodollar pit at the CME Group prior to the Federal Reserve's announcement that interest rates would remain unchanged November 2, 2011 in Chicago, Illinois. The Federal Reserve announced that interest rates would remain unchanged. (Photo by Scott Olson/Getty Images)
CHICAGO, IL - NOVEMBER 02: A trader signals an offer in the Eurodollar pit at the CME Group prior to the Federal Reserve's announcement that interest rates would remain unchanged November 2, 2011 in Chicago, Illinois. The Federal Reserve announced that interest rates would remain unchanged. (Photo by Scott Olson/Getty Images)
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Are You Financially Healthy?

Americans are not great savers; they don’t always handle credit responsibly, and often live beyond their means.

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(Photo by Christopher Furlong/Getty Images)
(Photo by Christopher Furlong/Getty Images)
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What If You Didn’t Have To Work?

You work 40 or fewer hours each week. That leaves roughly 168 hours each week to do what? Spend every dime you make?

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