americanamericansavoidavoidingbecomebetterbiggestbrassbusinesscasecollegeconsidercostdonearlyestatefactorsfearfinancialfirsthappinessheartinvestinginvestmentinvestorsjustkidslifemedicaremistakemistakesmuchnoveloptimismpayplanplanningregretsretireretirementretiringriskssavingssecuritysmallsocialspendstrategiestackstaxtaxestaxingtenthingstimetopwaywillyears