The tax code is just as complex as last year, if not a bit more so.

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The key is that people need to be saving in other ways, using investment vehicles, stocks, bonds, and not rely so heavily on their homes as a means of building wealth.

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You want to be doing things that educate them and help them understand their actions have consequences.

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Co-signing a car loan may be okay if you think your child is trustworthy and that's the only way they can get a loan. But if it's something they really can't afford, maybe they need to reconsider what they're purchasing.

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It's only in the 'fair' range probably because of real estate appreciation and stock market gains. It's definitely being dragged down by poor savings behavior.

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