A customer uses a Bank of America ATM in Los Angeles. The bank plans to start charging a $5 monthly fee for customers who use their debit card for purchases starting early in 2012. ATM transactions would still be free. Kevork Djansezian/Getty Images hide caption

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Social Security has been compared to Ponzi schemes for decades, says Indiana Gov. Mitch Daniels. In his new book, he lays out ideas for improving the system. Mark Wilson/Getty Images hide caption

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A customer uses a Bank of America ATM. Starting next year, using one of the bank's debit cards to make purchases will cost most customers $5 a month. ATMs will still be free. Chuck Burton/AP hide caption

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More than half of Americans are at risk of not having enough money for basic expenses in retirement, experts say. iStockphoto.com hide caption

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Two-thirds of the country's largest banks no longer offer free checking, according to a survey by Moebs Services. iStockphoto.com hide caption

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Gold rings and heirloom jewelry like these pieces displayed in a San Francisco store are fetching record high prices this year. Justin Sullivan/Getty Images hide caption

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According to a new poll by NPR, the Robert Wood Johnson Foundation and the Harvard School of Public Health, life in retirement is better or the same as it was before, but it is worse for a substantial minority in key areas, including health and finances. David Goldman/AP hide caption

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Specialists on the floor of the New York Stock Exchange watch President Obama's televised speech on debt reduction Monday. Obama wants to require investment fund managers to pay at least the same percentage in taxes as middle-income Americans. Richard Drew/AP hide caption

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Host Michel Martin says that in her opinion, what Americans really don't know how to talk about is money, even though we talk about that all the time. iStockphoto.com hide caption

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