Your Other 8 Hours: 5 Failures of Financial Planning and How to Fix Them
By Robert Pagliarini, Tribune Media Services
If you’re wondering how you are supposed save for a distant retirement when you’re struggling to pay off debt and make ends meet right now, you’re not alone. I think financial planning has failed a lot of people. The promise that if you work hard, save 10 percent of your income, invest in your 401(k), have a diversified investment allocation and have an emergency fund everything will be fine has left a lot of people frustrated, discouraged and even a little angry.