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

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.

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

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.

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.