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[irked_indeed]

Thirty percent of companies plan to drop health insurance once the new laws are fully in effect. Among companies whom the surveyors considered better informed, that number is (not shockingly) higher, rising to about 50

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[engelhardtlm1]

A book that I like (that I've probably mentioned before): All Your Worth by Elizabeth Warren and Amelia Warren Tyagi. I'd go so far as to say that if you're only going to read one book about personal finance, this is the one to read. It's well-researched, and the advice they give is good... Of course, their advice is almost identical to Dave Ramsey's (with the exception of being slightly more flexible on some points that their research shows don't actually matter). But, you might find the presentation to be more to your liking.

One insight though from Dave Ramsey: I think he's basically right that the "battle" is psychological. When it comes down to it, the math is pretty obvious. Income - Expenses = Savings. If Savings is negative, then it is either "decreasing savings" or is "borrowing" - which increases debt. Therefore, if you want to get out of debt or increase savings, the trick is to make sure Expenses < Income. I have yet to meet anyone that is surprised by this. And (outside of politics) you'll be hardpressed to