This week’s picks for the best in personal finance from around the web.

For many older Americans, an enterprising path (NY Times). How retirement can provide an opportunity to pursue long-held dreams, and maybe even generate some income.

The rising cost of not going to college (Pew Research Center). Skyrocketing costs and heavy debt loads have led some to question the value of a college education. But the evidence still says it pays to go to school.

7 ways to protect your credit card number (MarketWatch). Do you let online retailers “remember” your number? Not a good idea.

Study finds cash not always king when saving for emergencies (Wall Street Journal). An argument for investing some of your rainy day funds.

How charity can be selfish (Forbes). Challenging thoughts on what motivates our charitable activities.

And from the blogosphere…

The truth about insurance brokers who sell annuities (Think Advisor). A cautionary tale for anyone thinking about buying an annuity. If that’s you, be sure to read our cover article from last year, Making Sense of the Annuity Puzzle.

How the attitudes of people during the Great Depression can help you reach financial independence (Three Thrifty Guys). Imagine what would happen if more of us cultivated these attitudes during good times.

Providing better Social Security advice for clients (Advisor Perspectives). Written for financial advisors, but applicable for all, here’s a deep dive on the benefits of delaying Social Security benefits, and why so few people do.

Bad is stronger than good (Pragmatic Capitalism). The dangers of negativity bias.

The checklist manifesto: how to get things right (Farnam Street Blog). Lots of applications here—from making better investments to living healthier lives.

We’d love to hear your responses to any of the above. To weigh in, just meet us in the comments section.