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One percent of your income may not sound like a lot, especially if it’s only a potential fee you might have to pay at some vague point in the future.
America is rich again — if you add up all the money. But a familiar, unhappy tale is playing out as the nation recovers the household wealth lost from 2007 to 2012.
Wishful thinkers have been hoping 2014 will be a year of fatter paychecks. After all, corporate profits are strong, unemployment is falling and the economy seems to be recovering for...