It begins with piggy banks. As children, birthday money, allowance, and loose coins from the floor of dad’s car were placed for safekeeping in the small slit on top of a ceramic animal until it was time to smash it open, meaning enough had been saved to buy the coveted toy or electronic. As teenagers, bank accounts held the wages from after-school jobs, some saved for a car or college, and some used at the mall on weekends because mom no longer fell for the “I really need $20” act    Read the article…………………………….