We are all responsible for our own personal finances. But with the real unemployment rate in America approaching 20%, is it any wonder that many of us are suffering? And to add insult to injury, the U.S. Census Bureau’s report on income and poverty states in 2013, real median income was 8% lower than in 2007. Clearly, the personal finances of most Americans are not improving; and if you’re waiting on an employer to rescue you, get comfortable. You may be waiting for a long time.
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