Personal financial management is a subject that is not taught in many schools, but is something that nearly everyone has to deal with in their lives later on. Here are some statistics: Some 58% of Americans do not have a retirement plan in place for how they'll manage their finances when they get old. While people generally believe they'll need about $300,000 to support themselves in retirement, the average American has only about $25,000 saved at the time of retirement. Average household credit card debt among Americans now stands at a distressing $15,204. If these facts are alarming to you, and you want to reverse the trend, read on for specific, targeted advice geared towards giving you a better future.
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