If you're like most Americans, you're trying to do your best with the money you have -- saving for retirement or a home, paying down debt. But pit those goals against the realities of jobs that don't pay enough, rising health care costs and housing costs, and student loans that could give a T-Rex lessons in insatiability and you'll find that you have an awful lot of month left at the end of the money. Related: How 'money shame' can impede financial wellness Something else that doesn't help is believing financial myths that intrude into our daily lives under the guise of helping us make those goals and reassure us that just by doing X, we'll manage to accomplish Y. Some financial myths seem to exist to shame people. Others seem on the surface like good advice, but are actually outdated and no longer applicable. In fact, one could almost say they've crossed over into the realm of superstition, akin to throwing salt over one's shoulder to avoid disaster after one's been a little clumsy with the shaker. READ MORE: Workers with both health and financial wellness benefits are healthier 5 best, worst metro areas for beefing up your emergency savings Advisors and clients have very different views on money management