Long study has persuaded me that there are only four personal-finance columns in newspapering, which rotate week to week every month:
1. Saving for your children's college education
No way you can ever save enougn. You're screwed.
2. Saving for your retirement
It's already too late to catch up. You're screwed.
3. Investing in stocks
Too risky. You're screwed.
4. Investing in bonds
Too little return. You're screwed.
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