One thing I would like to interject here is that assets are not money that is gone. I don’t live paycheck to paycheck, but I don’t have a huge savings either. My retirement will equal my working income when I’m 55 and I’ll be done working. In the meantime I’m still 16 years away from that, but I have a house, boat,…

Sorry, but if you need to read an article to know what should be common sense; you might not want to manage your own money all.