Gail Liberman and Alan Lavine are husband-and-wife columnists and authors of the bestselling "Rags to Riches," Their columns run in the "Boston Herald, Pittsburgh Post-Gazette, Palm Beach Daily News," America Online, CNBC.com, Fundsinteractive.com, and Quicken.com. Their other books include "Love, Marriage & Money," "The Complete Idiot's Guide(r) to Making Money with Mutual Funds," and "Improving Your Credit and Reducing Your Debt,"