Today's Message

Many of us are struggling financially. American household incomes in 2004 remained stagnant for a record fifth straight year (U.S. Census Bureau). The rate of personal saving as a percentage of disposable income fell to zero in June (Bureau of Economic Analysis). Many workers feel they are not saving enough for retirement (Employee Benefit Research Institute). The average American household has at least one credit card and carries a debt between $7,000 and $8,000 (Consumer Federation of America).