The Republicans had a real advantage over the Democrats for a long time. And the principal advantage they have had is they have concentrated money and concentrated power. And, boy, when it's all concentrated, man, you can organize it, you can use it, you can get out there, you can run those negative ads, you can be effective, you can put money into campaigns.

Get out of debt. In a world of stagnant incomes and rising core expenses like mortgage and health care costs, that's a lot easier said than done. The middle class is under enormous pressure. But families can stop the bleeding by reducing their reliance on debt wherever they can. They can also start fighting back by taking a hard look at whom they do business with and rethinking whether they want tricks-and-traps banks to hold their money. They can also demand that public officials take the side of families over the side of banks.

I don't like credit cards. They make overspending very easy. They can make life a lot more complex and stressful.

It`s one thing for Hillary Clinton to adopt some anti-Wall Street language to try to appeal to progressives.

That is especially important as more young people must take on huge debt loads to go to college.

The poor pay more, and that's one of the reasons people get trapped at the bottom of the economic ladder.

I think the best way it happens is if parents say, this is important for educating my child.