Acknowledgments

Over the past decade, thousands of readers have called me or sent e-mails asking questions about the financial issues they struggle to solve. They have pulled me deeply into their lives, sharing their hopes and sometimes tears about their future and the role of money in life’s challenges. I have been struck by the common questions and misconceptions that arise as people try to do what’s right with their money. And I thank my readers for providing this insight. Their frustrations, both in interpreting financial advice and in using it, have had a major impact on how I have written my columns and this book.

I am grateful to the many sources of information that have been available constantly to me during 20 years as a financial journalist, ...

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