Retirement: 5 best tips from my time at USA TODAY
It's really hard to believe. Has it really been 2½ years since I started writing this retirement column?
I've talked to hundreds of retirement planners, financial advisers and authors from just about every part of the country. I made sure I got the view from the heartland — in an effort to not focus on the so-called high net-worth clients.
It's been a wonderful ride. And I'm sorry to say, the ride is coming to an end.

The author tells the history of the Freedman’s Savings Bank, how it grew much too quickly, why it failed and the impact on Black America. The Freedman’s Bank offered a safe depository for formerly enslaved people, expanded quickly and gained millions in deposits – mostly ranging from $5 to $50. But inexperience and corruption doomed it to failure, costing may of the small depositors their savings.


