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

Americans are still idiots when it comes to investing (The Fiscal Times). If you can look past the insulting headline, there are some important lessons in this article.

Americans think owning a home is better for them than it is (Washington Post). The perceived benefits of home ownership are so entrenched, it's hard to argue against them. This article does a good job of trying.

Telling students to earn less (WSJ.com). When helping hurts---government edition.

The one reason why bond prices won't collapse (Fortune). The case for a more resilient bond market.

How being grateful can change your life (Fast Company). The research community keeps catching up to a timeless principle.

And from the blogosphere...

Chart of the day: Sell in May and go away (Business Insider) provides a broad brush perspective on how seasonality impacts the stock market, while 'Sell in May and go away' might lead you astray (Investor Place) gives a more nuanced perspective. For our perspective, read Protecting Your Portfolio Against An Unfavorable Election Cycle.

Retirement portfolio spending strategy --- withdrawal order flowchart (My Money Blog). An attempt at simplifying some very important decisions.

The ubiquity of "lost decades" (Above the Market). Apparently, they're more common than you may think.

The richer you are the older you'll get (Real Time Economics --- a Wall Street Journal blog). Some interesting findings, but without much explanation. Is it all about better access to healthcare? More education?

With planning out of the way, time to enjoy the moment (The Sketch Guy - a NY Times blog). Finding the right balance between planning for the future and living fully today. We'd love to hear your responses to any of the above. To weigh in, just meet us in the comments section.