My experience tells me that lack of knowledge isn't the main reason why we don't end up where we want to be financially. The problem is lack of willingness to do what it takes. This sounds cold and harsh I know. But it is true for both you and me.

To me, the answer to our country's crazed consumerism has nothing to do with financial literacy. (Okay, maybe it has a little to do with financial literacy.) Instead, I see two fundamental problems that need to be addressed.

Indeed, the Noble Prizes for Personal Finance are not the Nobel Prizes, but they are high honors recognizing the highest levels of achievement in the field of consumer finances.

Attorneys often tout bankruptcy as an easy way to get out of debt, but they downplay some of the serious long-term consequences. Before you decide if bankruptcy is right for you, consider seven realities first.

Credit is sort of like a healthy body. You've got to use it to have it and you've got to use it well and on an on-going basis to have it be stellar.