Erin and Sally Simpson*, like so many of us, were hearing wise advice from every corner, from television pundits to radio personalities to lifestyle magazines: eat well, avoid fast food, stay healthy. Late last year however, they noticed that their household budget was taking a hit. The Simpsons had hoped to buy a house but discovered that they didn’t have enough savings. They were baffled. They did not feel financially strapped. But they were also unable to save in general.