Maranda Brooks stands in January outside a payday loans business that she used to frequent. Troubled by consumer complaints and loopholes in state laws, federal regulators are proposing expansive, first-ever rules on payday lenders, aimed at helping cash-strapped borrowers from falling into a cycle of debt. Tony Dejak/AP hide caption

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Tax preparation software doesn't always calculate the complexity of Affordable Care Act subsidies and credits properly. Daniel Acker/Bloomberg via Getty Images hide caption

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Known by the nickname "Wall Street," Curtis Carroll teaches financial literacy at the San Quentin Prison, helping inmates prepare for life after incarceration. Carroll, however, is serving a life sentence. Courtest of The California Department of Corrections and Rehabilitation hide caption

itoggle caption Courtest of The California Department of Corrections and Rehabilitation

Shipping containers at the Port of Los Angeles. Unions are stepping up their efforts to thwart White House plans for passing foreign trade deals on a "fast track" through Congress. Nick Ut/AP hide caption

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An employee at the American Disposables Inc. factory works on the assembly line in October 2009 in Ware, Mass. The state has seen rapidly expanding income disparity in the past 50 years as highly educated tech and financial workers have seen big gains and inflation-adjusted income has shrunk for the poorest residents. Spencer Platt/Getty Images hide caption

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Construction workers in Washington, D.C., in December. The latest jobs report will further drive the "misery index" to its lowest level in more than half a century. But economists say meager wages and big debts are still problems. Paul J. Richards/AFP/Getty Images hide caption

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President Obama remarks on his proposal to tighten consumer protections for people saving for retirement as Sen. Elizabeth Warren and Labor Secretary Tom Perez listen, at AARP on Monday. Getty Images hide caption

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