, 09-23-2009 at 06:28 PM (
By KAREN BLUMENTHAL
Pat yourself on the back.
Government data show that in the face of the financial crisis, we have reduced our debt, cut our spending and, by one measure, boosted personal savings to the highest level this decade.
So now that you're back on track, how are you going to make the most of your hard-won reserves? Will you rebuild your retirement accounts? The kids' college funds? Buy a new home? Or should you put it away for a generic rainy