Cyberspace is full of scams, and the con artists keep developing new ones. One of the latest is "smishing": It's like a phishing email that comes as a text message on your cell phone, and there's more than one way it can cost you.

It's easy to assume that building up a luxurious retirement nest egg is something only the wealthy can do. Well, here are four tales of ordinary people that disprove that idea. (And you could easily do better than they did.)

Check out our gallery to see how many of these 10 must-have documents are in your possession -- and which ones it's time for you to take action on.

Just as useful as apps for investors, these personal finance tools focus on helping you save more, earn more and spend more efficiently.

If you lack money smarts, you're not alone. But the ranks of the financially inept might shrink a bit over the next seven days, thanks to the Money Smart Week program, a partnership between the American Library Association and the Federal Reserve Bank of Chicago.

The vast majority of parents assign chores to their children, but only about half give their kids an allowance. And among the allowance payers, just 21% tied the payouts to chores. Those who aren't paying allowances might want to consider it.

American consumers are getting savvier, and happier. We consulted the BBB far more often in 2011 than we did the year before, and lodged fewer complaints. But there were still plenty of gripes, and the worst offenders may not surprise you.

There are mobile apps to help us with just about every chore, and investing is no exception. Whether you want to track a basic portfolio or delve into corporate reports and balance sheets, options are available.

You might think that less wealthy households would be more active coupon users than their affluent counterparts, but you'd be wrong. The folks at Coupons.org recently released some startling data on trends in coupon usage in America. Here's what they found.

No one is claiming that an IRS audit is a cakewalk. But a tax audit is probably less likely -- and less gruesome -- than most people fear. And the IRS isn't allowed to swoop down upon you just any old time: Their clock is ticking.