Financial periodicals and magazines love to run articles that try to diagnose a family’s financial problems. They will start off by listing the assets and liabilities of the family, and then they turn to a certified financial planner (that sounds so official when you read it) to remedy the situation. The problem is that they never target the main problem which is that the family has $15,000 in credit debt and a $30,000 home equity loan. Their poor portfolio mix is always more important than the fact that they have $50,000 in consumer debt. This is absurd!