We live in a day-to-day economy. Lots of people are surviving paycheck-to-paycheck and paying more for healthcare costs or dealing with impending furloughs. The lack of money can send an entire family into a depressive spiral from which it is almost impossible to recover. Few young people are interested in saving today for their retirement tomorrow because they worry about being able to eat tonight. Even middle age folk have a tough time tucking away some money for when they are no longer willing or able to work.