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STEVE BUTLER: RETIREMENT PLANNER: Talk openly about money with kids
Mostly through trial and error, typical young adults gain the knowledge of how to enjoy alcohol wisely. Next up is how to manage money. Compared to alcohol, learning the basics of money management is easier on the body and less of a headache.

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STEVE BUTLER: RETIREMENT PLANNER: Privatization is no way to run nation
Sometimes, when the whole is greater than the sum of the parts, it's called "government that works." It was reported recently that Rick Santorum, a U.S. senator and growing embarrassment to the state of Pennsylvania, had introduced a bill that would have forced Americans to buy weather reports from private companies -- the same reports that are generated by the U.S. Weather Service our tax dollars support.

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STEVE BUTLER: RETIREMENT PLANNER: 2005 gave people corporate power
If optimism is the opiate of the masses, then I think we as investors have some reasons to expect an exhilarating high in the year ahead. This is not to be confused with a prediction of what the stock and bond markets might generate. My basis for optimism derives from what I consider to be the past year's major housecleaning of twisted ethics in the world of commerce.

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