Financial and Life Planning Resource Directory

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Money: Other / general / not-specified
Consumers/clients: Childhood, student years
	Beller, Emily, "Bringing Intergenerational Social Mobility Research into the Twenty-first Century: Why Mothers Matter", American Sociological Review, August 2009
		http://www2.asanet.org/journals/asr/abstracts.html Beller argues that studies of how fathers influence their children’s future financial success tell only half the story.
	Lusardi, Annamaria, et al, Financial Literacy among the Young: Evidence and Implications for Consumer Policy
		Pension Research Council, 2009 http://www.pensionresearchcouncil.org/publications/document.php?file=802 The authors find that fewer than one-third of young adults possess basic knowledge of interest rates, inflation, and risk diversification. Financial literacy is strongly related to sociodemographic characteristics and family financial sophistication.
Consumers/clients: Early career
	Greenberg, Anna and Keating, Jessica , Personal Finances: The Final Frontier for Social Media – Results of a National Survey of Young Adults
		AARP Public Policy Institute, October 2009, Free http://assets.aarp.org/rgcenter/econ/lifetuner.pdf This report report reveals that financial issues constitute the greatest area of worry for young adults, though one they do not discuss much, even among their peers.
Consumers/clients: Family: Marriage
	Marder, Dianna, "Financial Concerns of Later-Life Marriage", Philadelphia Inquirer, May 11, 2006
		http://www.alanmgross.com/Personal/2006-05-11%20Phila%20Inquirer.htm, Free Marder encourages older individuals contemplating marriage to run the numbers first, and protect what each already has.
	New Economics of Marriage: The Rise of Wives
		Pew Research Center, January 2010, Free http://pewresearch.org/pubs/1466/economics-marriage-rise-of-wives This study finds that a larger share of women today, compared with 1970, have more education and income than their spouses. As a result, in recent decades the economic gains associated with marriage have been greater for men than for women.
	Palmer, Bethany and Scott, First Comes Love, Then Comes Money: A Couple's Guide to Financial Communication
		HarperOne, 2009, $14.99 http://www.amazon.com/First-Comes-Love-Then-Money/dp/0061649910/ref=sr_1_1?ie=UTF8&s=books&qid=1305126842&sr=1-1 The Palmers address the extra complications that arise when each member of a couple has different needs, issues, and attitudes relating to money.
	Stolz, Richard F., "When Couples Clash over Finances", Journal of Financial Planning, July 2009 (Vol. 22, No. 7)
		Stolz interviews several experienced planners concerning marital disagreements over financial issues.
	Yuille, Brigitte, "5 Things To Consider Before Late-In-Life Marriage"
		http://www.investopedia.com/articles/pf/09/what-to-consider-before-marrying.asp?viewed=1, Free Advice about finances, taxes, estate planning, Social Security, and Medicaid.
	Zissimopoulos, Julie, et al, Marital Histories and Economic Well-Being
		University of Michigan Retirement Research Center, September 2008, Free http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp180.pdf This study looks at the wealth differences of married vs. unmarried people, taking into account those who get divorced and remarried along the way.
Consumers/clients: Family: Divorce, separation
	Hale, Kelly D., et al, "Understanding the Factors Influencing the Income Gap between Divorcees", Journal of Financial Planning, December 2008 (Vol. 21, No. 12)
		The authors find that, for women, being older, having fewer children, remarriage, and higher levels of education all help reduce the income gap between divorced spouses.
	Institute for Divorce Financial Analysts
		https://www.institutedfa.com/cdfaSearch.php, Free This organization's search page can find you a financial adviser in your area who specializes in divorce situations.
Consumers/clients: Family: Parent-child or -grandchild
	Burns, Sharon, and Forgue, Raymond, How to Care For Your Parents' Money While Caring for Your Parents
		McGraw-Hill, 2003 http://www.amazon.com/Care-Parents-Money-While-Caring/dp/0071408665/ref=sr_1_10?ie=UTF8&s=books&qid=1276194237&sr=1-10 Burns and Forgue describe how to be a good financial caregiver.
	Financial Conversations With Adult Children (Wells Fargo)
		https://www.wellsfargoadvisors.com/life-events/family-conversations.htm, Free (but you need to supply your contact information) Outlines what you need to share with your children concerning finances, and how to handle difficult situations.
	Goetting, Marsha A., and Schmall, Vicki L., "Talking with Aging Parents about Finances", December 2008
		http://msuextension.org/publications/FamilyFinancialManagement/MT199324HR.pdf, Free A very good place to begin, when it's time for you to start helping parents manage their money, or just in preparation for that time.
	Grandparents: Generous with Money, Not with Advice
		MetLife Mature Market Institute, June 2009, Free http://www.metlife.com/assets/cao/mmi/publications/quick-facts/mmi-grandparents-generous-money-not-advise.pdf This survey found that 70% of grandparents have given money to their grandchildren in recent years (median amount = $3,000), but most do not offer financial advice, unless asked. There are also survey questions about how their adult children raise and advise the grandchildren.
	Shinkle, Kirk, "How to Handle Your Aging Parents' Finances", U.S. News and World Report, August 7, 2009 (online)
		http://money.usnews.com/money/personal-finance/investing/articles/2009/08/07/how-to-handle-your-aging-parents-finances, Free Offers five tips on planning for your parents’ financial future.
	Swan, W.A., Complete Guide to Managing Your Parents' Finances When They Cannot, The
		Atlantic Publishing Co., 2009, $24.95 http://www.amazon.com/Complete-Managing-Parents-Finances-Cannot/dp/1601383134/ref=sr_1_7?ie=UTF8&s=books&qid=1276194237&sr=1-7 Swan explains the essentials, and provides helpful worksheets and checklists.
Consumers/clients: Mid-career, wealth-building
	Retirement Outlook and Policy Priorities
		Transamerica Center for Retirement Studies, January 2009, Free http://www.transamericacenter.org/resources/TRS%20Report%2010-08-08.pdf Results of a survey on family financial priorities.
	Robin, Vicki, et al, Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence: Revised and Updated for the 21st Centur
		Penguin Books, 2008, $16.00 http://www.amazon.com/Your-Money-Life-Transforming-Relationship/dp/0143115766/ref=sr_1_1?ie=UTF8&s=books&qid=1288205801&sr=1-1-spell Helps esolve inner conflicts between values and lifestyles; reorder material priorities and live well for less; slow down the work-and-spend treadmill; make-values-based decisions about spending; and discover the power and perfection of “enoughness.”
	Start-up Expenses (Microsoft Office Online)
		http://office.microsoft.com/en-us/templates/start-up-expenses-TC001017507.aspx?CategoryID=CT102403971033, Free Offers a free Excel spreadsheet to help you determine what start-up expenses will be for a new business.
Consumers/clients: Late career, retirement
	Acs, Gregory, Low-Wage Workers in the United States: Status and Prospects
		Urban Institute, September 11, 2008, Free http://www.urban.org/UploadedPDF/901190_Acs_low-wage_workers.pdf Testimony Before the Committee on Ways and Means Subcommittee on Income Security and Family Support United States House of Representatives
	Bach, David, Start Late, Finish Rich: A No-Fail Plan for Achieving Financial Freedom at Any Age
		Broadway Books, 2007, $14.95 The seventh book in the Finish Rich series is aimed at older readers who have neglected their savings. Anyone can finish rich, says Bach, if they 'spend less, save more, and make more.' The bulk of the book describes a variety of tactics and strategies for accomplishing these three tasks.
	Boston College Center for Retirement Research
		Active in: USA, International Hovey House, 140 Commonwealth Ave., Chestnut Hill, MA 02467-3808 Telephone:617-552-1762 Fax:617-552-0191 crr@bc.edu http://crr.bc.edu/index.php The Center provides critical information to better understand the issues facing an aging population, mainly in four areas that affect a household's retirement income: 1) Social Security; 2) employer-sponsored pension plans; 3) household saving; and 4) labor market trends among older workers.
	Bruno, Maria A., and Zilbering, Yan, Income in Retirement: Common Investment Strategies
		Vanguard Group, 2010, Free https://institutional.vanguard.com/iam/pdf/ICRRIA.pdf This report deals with investment during retirement, including income management strategies, order of liquidating investments, and the use of annuities.
	Butrica, Barbara A., et al, "How Many Struggle To Get By in Retirement?", Gerontologist, August 2010 (Vol. 50, No. 4)
		http://gerontologist.oxfordjournals.org/content/50/4/482.abstract The authors find that the problem is even worse than officially reported, because standard poverty measures do not adequately account for the financial circumstances of older adults.
	Elder Investment Fraud and Financial Exploitation
		Investor Protection Trust, June 2010, Free http://www.investorprotection.org/downloads/pdf/learn/research/EIFFE_Survey_Report.pdf This report reveals several troubling signs of financial abuse and exploitation, including that 20% of people age 65 and up report having been taken advantage of financially.
	Hounsell, Cindy, Minority Women and Retirement Income
		Women’s Institute for a Secure Retirement, May 2008, Free http://www.wiserwomen.org/pdf_files/minoritywomen08.pdf This report offers a review of current data, as well as practical advice, a bibliography, and a list of other sources of related information and assistance relating to retirement for minority women.
	Living Close to the Edge: Financial Chal-lenges and Tradeoffs for People on Medicare
		Kaiser Family Foundation, Free http://www.kff.org/medicare/upload/8200.pdf This report is not about Medicare so much as about older people living on the edge. It includes data on the financial situations Medicare recipients find themselves in, and what they are doing about it.
	Managing Post-Retirement Risks: A Guide to Retirement Planning
		Society of Actuaries, October 2008, Free http://www.soa.org/files/pdf/post-retirement-charts.pdf An updated the Society of Actuaries chart of retirement financial risks and ways to deal with them.
	McArdle, John, et al, Cognition and Economic Outcomes in the Health and Retirement Survey
		National Bureau of Economic Research, August 2009, $5.00 http://www.nber.org/papers/w15266 The authors examine the association of cognitive skills with wealth, wealth growth, and wealth composition for people in their pre- and post-retirement years.
	Meschede, Tatjana, et al, From Bad to Worse: Senior Economic Insecurity on the Rise
		Brandeis Institute on Assets and Social Policy, July 2011, Free http://iasp.brandeis.edu/pdfs/FromBadtoWorse.pdf The authors show that even before the recent recession, financial instability indicators for the U.S. senior population had been in decline.
	O'Brien, Ellen, et al, Older Americans in Poverty: A Snapshot
		AARP Public Policy Institute, April 2010, Free http://assets.aarp.org/rgcenter/ppi/econ-sec/2010-03-poverty.pdf A chartbook and policy primer that examines the persistent problem of elderly poverty in the United States.
	Timmermann, Sandra, "Myth Busters and Conventional Wisdom: What We Know - and Don’t Know - about Boomers Nearing Retirement", Journal of Financial Service Professionals, 2008
		Timmermann challenges preconceptions about the Baby Boomers.
	Webb, Anthony, Providing Income for a Lifetime: Bridging the Gap between Academic Research and Practical Advice
		AARP Public Policy Institute, May 2010, Free http://assets.aarp.org/rgcenter/ppi/econ-sec/2009-11.pdf For each of several key financial decisions people make at retirement, Webb examines what most households actually do, the conventional wisdom as to what they should do, and what a careful economic analysis suggests that most people should do.
Consumers/clients: Aging
	Bloom, David E., Graying of Global Population and Its Macroeconomic Consequences, The
		Harvard School of Public Health, October 2009, Free http://www.hsph.harvard.edu/pgda/WorkingPapers/2009/PGDA_WP_47.pdf The authors argue that lower fertility rates will lead to fewer dependent children and more labor force participation by women, which will offset the increase in older people, thus resulting in only a modest economic impact in most countries.
	Crimmins, Eileen M., et al, "Poverty and Biological Risk: The Earlier ‘Aging’ of the Poor", Journals of Gerontology Series A: Biological Sciences and Medical Sciences, February 2009 (Vol. 64, No. 2)
		http://biomedgerontology.oxfordjournals.org/cgi/reprint/64A/2/286 The authors report that poverty increases health and mortality risks substantially in people’s younger years, but this is no longer the case in old age. Even so, the consequence is that poor people tend to age faster.
	Duckworth, Angela Lee, and Weir, David R., Personality and Response to the Financial Crisis
		13th Annual Joint Conference of the Retirement Research Consortium, August 2011, Free http://www.mrrc.isr.umich.edu/publications/conference/pdf/UM11-09A0811C.pdf Duckworth and Weir document the fact that personality influences financial outcomes among older adults. Specifically, they address the connection between conscientiousness and behavior relating to saving vs. consumption (though not, yet, on investment).
	If You Run Out of Money
		RetirementWorks, Inc., 2009, Free http://www.retirementworks2.com/pdfs/If_You_Run_Out_of_Money-ALL.pdf Ideas and references about where to get help if you or an elderly loved one is running out of funds.
	Issa, Philip, and Zedlewski, Sheila R. , Poverty Among Older Americans, 2009
		Urban Institute, February 2011, Free http://www.urban.org/publications/412296.html Issa and Zedlewski report that about one in three Americans age 65 or older lived in low-income families in 2009, including 8.9 percent in poverty.
	NBER Bulletin on Aging and Health
		National Bureau of Economic Research, Free http://www.nber.org/aginghealth/ A quarterly publication that reviews recent research produced as part of the Bureau's program of research in aging and health economics.
	World Population Aging 2009
		U.N. Department of Economic and Social Affairs / Population Division, 2009, Free http://www.un.org/esa/population/publications/WPA2009/WPA2009_WorkingPaper.pdf This report updates and extends the 2002 and 2007 editions, including new features on aging in rural and urban areas, the coverage of pension systems, and the impact of the 2007-2008 financial crisis on pension systems.
	Zedlewski, Sheila R., and Butrica, Barbara, "More Older Americans are Poor than the Official Measure Suggests", Older Americans' Economic Security, May 2008 (No. 15)
		http://www.urban.org/publications/411670.html The official poverty measure no longer reflects the true resources or needs of older adults. The lack of an accurate poverty measure for older adults hampers efforts to reform Medicare and Social Security.
Consumers/clients: Ethnic or racial groups
	Perron, Rebecca, African American Experiences in the Economy: Recession Effects More Strongly Felt
		AARP Public Policy Institute, February 2010, Free http://assets.aarp.org/rgcenter/econ/economyaa.pdf Perron finds that despite greater efforts than the general population to promote their own employability, African Americans suffered more in terms of employment, health, and overall financial well-being during the 2009 recession, and are less confident about the future than the general population.
Consumers/clients: Gender groups
	Blayney, Eleanor, "Empowering, Educating, and Engaging Women Clients", Journal of Financial Planning, October 2010 (Vol. 23, No. 10)
		Blayney emphasizes that women do tend to have different planning needs and different financial styles, compared to men, and she discusses the ways in which advisers can be most helpful to women, and to build trust.
	Levine, Irene S., "Friendship and Money: Minimizing the Losses", March 2009
		http://www.huffingtonpost.com/irene-s-levine/friendship-and-money-mini_b_171266.html, Free A brief but helpful article discussing a few problematic issues that commonly arise between friends, especially women.
Consumers/clients: Geographic groups
	Elwell, Craig K., Saving Rates in the United States: Calculation and Comparison
		Congressional Research Service, September 14, 2010, Free http://assets.opencrs.com/rpts/RS21480_20100914.pdf Elwell explains how national saving is measured, presents recent estimates of saving rates in the United States, and, for comparison, provides those of other major industrial countries.
	Lusardi, Annamaria, and Mitchell, Olivia S., Financial Literacy Around the World
		National Bureau for Economic Research, June 2011, $5.00 http://www.nber.org/papers/w17107 Lusardi and Mitchell study the prevalence and value of financial literacy in a variety of countries.
Consumers/clients: Other / general / not specified
	Agarwal, Sumit, et al, Financial Counseling, Financial Literacy, and Household Decision Making
		Pension Research Council, 2010, Free http://www.pensionresearchcouncil.org/publications/document.php?file=923 This study generates ambiguous results about the beneficial effect of financial literacy.
	Anthony, Mitch, "What Do People Want Their Money to Do?", Integrative Adviser, March 2010 (Vol. 3, No. 1)
		http://www.aiflp.org/pdfs/IntegrativeAdviserNo0301.pdf, Free Anthony argues that we could all be reaping much greater dividends from the money we have, and that a weighing of the emotional consequences of financial decisions would cause us all to take more prudent paths with how we earn, how we invest, and how we utilize our money
	Bankrate.com
		http://www.bankrate.com/, Free A great source for current interest rates, along with objective and reasonably comprehensive advice on financial matters.
	Behrman, Jere R., et al, Financial Literacy, Schooling, and Wealth Accumulation
		Penn Population Aging Research Center, September 2010, Free http://repository.upenn.edu/cgi/viewcontent.cgi?article=1031&context=parc_working_papers The authors try to separate the effect of financial literacy and schooling from other factors such as ability, intelligence, and motivation, and they find a significant independent value of financial literacy and schooling on wealth.
	Bosworth, Barry P., and Smart, Rosanna, Wealth of Older Americans and the Sub-Prime Debacle, The
		Boston College Center for Retirement Research, November, 2009, Free http://crr.bc.edu/images/stories/Working_Papers/wp_2009-21.pdf Boworth and Smart conclude that unless there is a strong recovery of asset values in the next few years, previous favorable assessments of the retirement finances of typical Baby Boomers are no longer true.
	Cacho, Lemuel, "Money Scripts Affect People's Behavior", May 2011
		http://newsblaze.com/story/20110531185017lemc.nb/topstory.html, Free Cacho provides a basic introduction to “Money Scripts,” and illustrates how you think about money affects your decisions.
	Casserly, Julie Murphy, Emotion Behind Money, The: Building Wealth from the Inside Out
		Beyond Your Wildest Dreams LLC, 2008, $24.95 http://www.amazon.com/Emotion-Behind-Money-Building-Wealth/dp/0980113385/ref=sr_1_1?s=books&ie=UTF8&qid=1280063597&sr=1-1 Casserly does an excellent job discussing and illustrating (through real life examples) the kinds of problems that arise over the psychology of money, and the ways they can be dealt with, and she also offers a variety of self-tests and exercises you can use to evaluate your own issues.
	Clark, Robert L., and Morrill, Melinda S., Improving Workers’ Financial Literacy: A Symposium Summary
		Pension Research Council, 2009 http://www.pensionresearchcouncil.org/publications/document.php?file=819 Abstract of the summary of the 2009 symposium.
	Collectibles and Memorabilia (AtOncer.com)
		http://www.atoncer.com/collectibles/main/collectibles.htm, Free An online auction site that specializes in popular collectibles.
	Consumer Financial Protection Bureau (U.S. Government)
		http://www.consumerfinance.gov/, Free Consumer website for consumer financial protection, ramping up for the first time in 2011.
	Di Tella, Rafael. and MacCulloch, Robert , Happiness Adaptation to Income beyond ‘Basic Needs’
		National Bureau of Economic Research Working Papers, December 2008, $5.00 http://papers.nber.org/papers/w14539 Di Tella and MacCulloch have produced a study confirming that, at least in more affluent nations, increased wealth does not bring increased levels of happiness, at least not after an adjustment period that may last as long as five years.
	Family and Finance – Financial Literacy (Bankrate.com)
		http://www.bankrate.com/finance/financial-literacy/families-and-finance.aspx, Free Covers some unusual topics related to couples, children, blended finances, and even pets
	Fianancial Health Scale (Your Mental Wealth)
		http://www.yourmentalwealth.com/find-solutions/financial-health-scale/, Free A quiz that asks 20 questions about your “Mental Wealth” – i.e., your basic attitudes and approaches concerning your personal finances. Better for the questions it asks than for the quality of the analysis.
	Financial Literacy: Implications for Retirement Security and the Financial Marketplace (Pension Research Council), 2010
		http://www.pensionresearchcouncil.org/publications/document.php?file=882, Free Summary of the 2010 Wharton Impact Conference sponsored by the Pension Research Council and the Boettner Center for Pensions and Retirement.
	Financial Therapy Association
		http://www.financialtherapyassociation.org/, Free This site provides basic information about this form of counseling, and can refer you to practitioners in a modest number of state.
	Sasiela, Lora, Financial Wellness Coaching
		Designations: LCSW, BCD Active in: NY, USA, International Available for speaking 80 East Elevenh St., Suite 636, New York, NY 10003 Telephone:917-673-3867 lora@financialwellnesscoaching.com http://www.FinancialWellnessCoaching.com Provides money coaching by creating a safe, productive environment to become more conscious and comfortable around money issues. Clients can develop a healthier, more prosperous relationship with money. Areas of focus include money anxiety, under-earning, overspending/debting, and sudden wealth.
	Find an Auctioneer (National Auctioneers Association)
		http://www.auctioneers.org/find-auctioneer, Free Dierctory of auctioneers for business liquidation, sale of personal valuables, farm equipment, etc., etc.
	Fleming, Jeanne, and Schwarz, Leonard, Isn't It Their Turn to Pick Up the Check?: Dealing with All of the Trickiest Money Problems Between Family and Friends - from Serial Borrowers to Serious Cheapskates
		Free Press, 2008, $21.00 http://www.amazon.com/Isnt-Their-Turn-Pick-Check/dp/1416542000/ref=sr_1_4?ie=UTF8&s=books&qid=1276625549&sr=1-4 A pretty comprehensive guide to financial etiquette.
	Gale, William G., and Levine, Ruth, Financial Literacy: What Works? How Could It Be More Effective?
		Brookings Institution, October 2010, Free http://www.brookings.edu/~/media/Files/rc/papers/2010/10_financial_literacy_gale_levine/10_financial_literacy_gale_levine.pdf Gale and Levine highlight the extent and effects of financial illiteracy among American households, review previous efforts to promote financial literacy, and discuss new directions for such initiatives.
	Gardner, Randy, et al, "Twelve Indicators You Need to Update Your Estate Plan", Journal of Financial Planning, October 2009 (Vol. 22, No. 10)
		Although some of these estate planning issues apply only to affluent families, others apply to just about everybody.
	GoAntiques.com
		http://www.goantiques.com/, Free For mostly higher-end items (art, jewelry, rare books or coins, etc.), GoAntiques.com represents over 1000 dealers in over 30 countries.
	Gresham, Mary, Financial Psychologist
		Designations: PhD Active in: GA Available for speaking 2801 Buford Highway, Suite 260, Atlanta, GA 30329 Telephone:404-320-6510 mg@doctorgresham.com http://www.doctorgresham.com Clinical psychologist who consults with planners, families and individuals on money issues and behaviors, with a special interest in women and money.
	Helliwell, John F., Life Satisfaction and Quality of Development
		National Bureau of Economic Research Working Papers, Novwmber 2008, $5.00 http://papers.nber.org/papers/w14507 Helliwell shows how the Gallup World Poll data can permit a much broader view of the quality and consequences of development than other common measures.
	Hiring Financial Help: Top Ten Things to Know (CNN Money)
		http://money.cnn.com/magazines/moneymag/money101/lesson15/, Free Important facts to understand before you sign on with a financial adviser.
	Investment / Rental Property thread (FatWallet.com)
		http://www.fatwallet.com/forums/finance/59627/, Free A site about real estate investment where some of the basic considerations are explained and questions are answered.
	Kinder, George, Seven Stages of Money Maturity, The
		Dell, 2000, $16.00 http://www.amazon.com/Seven-Stages-Money-Maturity-Understanding/dp/0440508339/ref=sr_1_1?s=books&ie=UTF8&qid=1288205642&sr=1-1 By following three composite characters throughout the book and examining their experiences through the prisms of his own background and development, Kinder explains how to evolve naturally through seven specific states of increasing 'money maturity.'
	Klontz, Brad and Ted, Mind over Money: Overcoming the Money Disorders That Threaten Our Financial Health
		Crown Business, 2009, $25.00 http://www.amazon.com/Mind-over-Money-Overcoming-Disorders/dp/038553101X/ref=pd_sim_b_6 A book by psychologists specializing in people's problems with how they feel about money, including tests and exercises to help you figure out your own issues.
	Lusardi, Annamaria, Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security
		University of Michigan Retirement Research Center, September 2010, Free http://www.mrrc.isr.umich.edu/publications/papers/pdf/wp226.pdf Lusardi presents results from the 2009 National Financial Capability Study that are rather shocking, concerning the level of financial ignorance in the U.S.
	Lusardi, Annamaria, Financial Literacy: An Essential Tool for Informed Consumer Choice?
		National Bureau of Economic Research Working Papers, June 2008, $5.00 http://papers.nber.org/papers/w14084 This paper emphasizes that in a world where financial instruments continue to become more complicated, financial literacy among consumers is woefully inadequate, especially among those with low educational levels, women, and Hispanic- and African-Americans.
	Lusardi, Annamaria, FINRA National Financial Capability Survey
		December 2009 http://www.prb.org/Journalists/Webcasts/2010/financialcapability.aspx Ms. Lusardi is interviewd concerning this first of its kind survey exploring how Americans manage their resources and how they make financial decisions.
	MyMoney (U.S. Financial Literacy and Education Commission)
		http://www.mymoney.gov/, Free Consumer-oriented financial literacy website
	Needleman, Jacob, Money and the Meaning of Life
		Doubleday, 1994, $17.95 http://www.amazon.com/Money-Meaning-Life-Jacob-Needleman/dp/0385262426/ref=sr_1_2?ie=UTF8&s=books&qid=1280063395&sr=8-2 One of the first books about the psychology of money, and still a classic well worth reading.
	Nichols, Austin, Trends in Income Inequality, Volatility, and Mobility Risk
		Urban Institute http://www.urban.org/publications/411799.html Nichols documents increases in income inequality both before and after taxes.
	Pompian, Michael M., "Using Behavioral Investor Types to Build Better Relationships with Your Clients", Journal of Financial Planning, October 2008
		Pompian, in a follow-up to a 2005 article, outlines how financial planning clients can be classified as Passive Preservers, Friendly Followers, Independent Individualists, and Active Accumulators,
	Sages, Ronald A., and Grable, John E., "Financial Numeracy, Net Worth, and Financial Management Skills: Client Characteristics That Differ Based on Financial Risk Tolerance", Journal of Financial Service Professionals, November 2010 (Vol. 64, No. 6)
		Sages and Grable verify a correlation between low financial risk tolerance on the one hand, and relatively low financial numeracy, subjective estimation of net worth, and financial management skills on the other hand.
	Salzman, Bonnie S., "Insurance for Collectibles"
		http://www.nortica.com/Software/CollectionMaster/Insurance.html, Free Basic information about the need for insurance on collectibles.
	Scott, Elizabeth, "Financial Stress - How It Affects You and What You Can Do", May 2011
		http://stress.about.com/od/financialstress/a/financialstress.htm, Free Scott provides a brief discussion of this topic and some links to further information.
	Theodos, Brett, and Compton, Jessica F., Research on Financial Behaviors and Use of Small-Dollar Loans and Financial Services
		Urban Institute, April 2010, Free http://www.urban.org/uploadedpdf/412156-small-dollar-loans.pdf The authors cover five small-dollar credit products and financial services: auto title loans, pawnshops, payday lending, refund anticipation loans and checks, and rent-to-own borrowing.
	Ticklish Money Problems with Friends (CNN.com)
		http://www.cnn.com/2007/LIVING/personal/10/01/rs.money.etiquette/index.html, Free Offers advice on several common money issues that arise among friends.
	Twist, Lynne, Soul of Money, The: Reclaiming the Wealth of Our Inner Resources
		W.W. Norton, 2006, $18.95 http://www.amazon.com/Soul-Money-Reclaiming-Wealth-Resources/dp/039332950X/ref=sr_1_1?s=books&ie=UTF8&qid=1288205975&sr=1-1 Through personal stories and practical advice, Twist demonstrates how we can replace feelings of scarcity, guilt, and burden with experiences of sufficiency, freedom, and purpose.
	van Rooij, Martin, et al, Financial Literacy, Retirement Planning, and Household Wealth
		Network for Studies on Pensions, Aging, and Retirement, August 2011, Free http://papers.ssrn.com/sol3/papers.cfm?abstract_id=1920287 The authors find a positive link in their research between financial literacy and net worth. They attribute this largely to the readiness of the financially literate to invest in the stock market and to save for retirement.
	Vohwinkle, Jeremy, "Finding a Financial Adviser"
		http://financialplan.about.com/od/personalfinance/a/choosingaplan.htm, Free Basic information with links to related articles.
	Western, Bruce, and Bloome, Deirdre , "Inequality among American Families with Children, 1975 to 2005", American Sociological Review, December 2008
		Western and Bloome find that changes in education attainment and family structure are the primary causes of a two-thirds increase in income inequality among American families with children from 1975 to 2005.
	Wu, Ke Bin, Family Income Sources for Older Persons, 2009
		AARP Public Policy Institute, May 2011 http://assets.aarp.org/rgcenter/ppi/econ-sec/fs224-economic.pdf This study illustrates a variety of trends in household income over the past 20 years in the U.S.
	Your Mental Wealth (Drs. Brad and Ted Klontz)
		http://www.yourmentalwealth.com/videos/, Free Videos and other helpful information about attitudes toward money, and how to heal them.