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Wake Up, America! We're Paying Billions for Personal Financial Advice, and It's Making Us Poorer

An excerpt from the new book, "Pound Foolish: Exposing the Dark Side of the Personal Finance Industry."

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Helaine Olen, author of "Pound Foolish," has written for the New York Times, Los Angeles Times, Washington Post, Salon and other publications. She blogs at Where Life Meets Money, and she is the Money blogger for The GuardianUS.