The Health of Your Kid's College Fund: Okay, STOP logging into your bank's website every hour. Your kid is four. (And if you just said to yourself, "Actually, my kid is eighteen," skip this one and read about carrots, below.) That gives the economy a decade and a half to recover before little Jonny Genius is ready for his Ivy League moment. Savings build with time, remember? Use your time wisely by taking a breather.