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    Debt is rising, the SAT is changing, top-school acceptance rates are dwindling, and a large disconnect remains between household college savings and total costs.

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    Boring investments tend to keep people in their seats, which leads to better outcomes, says Morningstar's director of personal finance.

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  4. Retirees: Run the Numbers on Munis

    Even after solid year-to-date performance, munis still look attractive on a tax-adjusted basis for those in higher brackets. Plus: 401(k) fee recoveries and help for difficult planning conversations.

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