Nan Mooney's book "Not Keeping Up with Our Parents" describes the decline of the professional middle class in America and points to a few key reasons our generation is faltering when it comes to money-matters.

Apparently, it has little to do with cutting out lattes:

1. Homeownership no longer means stability -- We may own houses, big houses, but we own less of them as a percentage than prior generations.

2. The dual-income trap -- Since wages have stagnated, it now usually requires two incomes to make ends meet. Add to that the high cost of child care and the problem continues.

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