Most money advice is spin. It is marketing. It is stuff put together to sell newspapers or magazines or whatever.

We all need to be tougher about this sort of thing. Effective money management means more today than it has before (because there is more money floating around). The middle-class lets most of it slip through its fingers because most of the personal finance advice is marketing-driven rather than solve-the-problem-driven.

Blogs could make a difference. There's an opportunity here.

Rob