U.S. consumer spending is on the rise, but so is debt and fraud. Hosts Kristen Scholer and Tim Stenovec explore why Americans still collectively have debt worth $12.8 billion. Alex Sadler, Managing Editor at Clark.com, explains why not saving for retirement as early as possible could cost you big time in the long run. She gives tips on how to save on food, housing, and transportation. Plus, Do you wonder all year long about what you can write off on your taxes? Tom Wheelwright, advisor to financial expert Robert Kiyosaki and author of "Tax-Free Wealth," explains some of the deductions you might not be thinking about, like a home office, your car or even a vacation.