Remember that song back in 1955 by Tennessee Ernie Ford that was called Sixteen Tons?  Here are some of the lyrics:

"....Another day older and deeper in debt

Saint Peter don't you call me 'cause I can't go

I owe my soul to the company store..." 

As I read the words to the song, I couldn't help thinking how some things just NEVER seem to change.  If you're a baby boomer sharing a birthday with me today, HAPPY BIRTHDAY.  If you're a baby boomer deeper in debt, welcome to the club---there's plenty of us out here! 

According to an AARP Sponsored study:

* The rate of bankruptcy filings among those ages 65 and older has more than doubled since 1991.

* Americans age 55 or older have experienced the sharpest increase in bankruptcy filings.

* Americans age 34 or younger have experienced the greatest decrease in bankruptcy filings.

 Who do you owe YOUR soul to?