I recently read an excellent online article from The Atlantic about the dire financial straits that over 50% of all Americans find themselves in and something in the article struck me. The writer mentioned that because of the various financial choices he had made regarding his and his family’s finances, he and his family hadn’t been able to take a vacation in over 10 years.  They instead sacrificed their retirement money to send their two daughters to excellent universities (Standford and Emery). I’m not at all criticizing that particular decision, because wanting your kids to attend the best schools is a noble thought, but I was instead curious with how…