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.

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.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.

BenefitsPRO editors