At a time when we have more personal finance advice than ever before why are so many Americans in bad financial shape and why do we say money is our number one worry in surveys? Helaine Olen who has written about personal finance for the New York Times the Washington Post and many other publications wanted answers. So she investigated the world of financial advisors TV personalities academics brokers and regulators. What she found was faddish advice rampant conflicts of interest and a Horatio Alger narrative that holds individuals completely responsible for their own failings and lets crooks conveniently ...