One of the new courses being taught at Online Trading Academy focuses on day to day elements of living and personal finance. Studies show that most Americans do not track what they are spending their money on, and thus, spending more than they should. Larry talks about the steps which will offer individuals more clarity on where there money is going, how to save more, and spend less! Merlin and Larry also look at a couple of listener questions regarding 401k programs and Roth IRA’s.