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Imagine if you’d bought Facebook at its IPO. Or Amazon. Where would you be right now? Retired on a beach in Maui? Driving a Ferrari? Living in San Francisco? In the paraphrased words of Dr. Seuss: Oh, the places we could be...

Every year a Federal Reserve study reveals the unfortunate reality of most Americans’ savings shortfall. Perhaps even more alarming is that nearly 40% of the adult population in the U.S. would struggle to cover a $400 unexpected expense.