This year's graduating class, a mix of millennials and Gen Z, expect to earn nearly $8,000 more in their first jobs than 2016 grads.

For years, I've been deceived by our health care system into thinking it was built to help people. And now I feel pissed.

Plan design is the answer; it is an upward climb, it is not an easy path, it requires an expert with experience, it is not going to be an instant fix, and the climb to the top may require training and muscle memory, but it is beautiful.