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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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MANCHESTER, NH - JANUARY 08: Harriet Boylan heads into a voting booth to cast her vote in the New Hampshire presidential primary at the Ward 3 Carol M. Rines Center January 8, 2008 in Manchester, New Hampshire. New Hampshire residents vote today in the nation's first presidential primary. (Photo by Win McNamee/Getty Images)
MANCHESTER, NH - JANUARY 08: Harriet Boylan heads into a voting booth to cast her vote in the New Hampshire presidential primary at the Ward 3 Carol M. Rines Center January 8, 2008 in Manchester, New Hampshire. New Hampshire residents vote today in the nation's first presidential primary. (Photo by Win McNamee/Getty Images)
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What Does It Mean To Vote?

My decisions, along with millions of others like me, will have a profound effect on my life and those following in the future.

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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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ALBANY, CA - MAY 15: Customers shop at a Target store May 15, 2006 in Albany, California. Target announced a 12 percent rise in profit in its quarterly earnings report, falling short of market expectations. Target stock closed at $50.02, down $2.19. (Photo by Justin Sullivan/Getty Images)
ALBANY, CA - MAY 15: Customers shop at a Target store May 15, 2006 in Albany, California. Target announced a 12 percent rise in profit in its quarterly earnings report, falling short of market expectations. Target stock closed at $50.02, down $2.19. (Photo by Justin Sullivan/Getty Images)
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Stop Living Paycheck to Paycheck

Money is nothing more than a tool. It can be used against you, or it can be used to better your life.

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U.S. Prepares To Set Clocks Back As Daylights Saving Time Ends
Photo by Joe Raedle/Getty Images
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Is Daylight Savings Time Really Necessary?

Twice a year the same debate is hashed out around water coolers and breakfast tables across America. Do we really need this twice-yearly clock changing?

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