Why you're trailing the market, credit card myths, comparing to others and lottery decisions

Here's the latest Reddit Roundup for July where I cover off popular topics found on Reddit throughout the month.  This month's topics include:

• Understanding why your retirement funds might not be keeping up with "the market"
• Debunking credit card myths
• Comparing yourself to others in better financial shape
• Should you take the monthly payment or cash upfront with a lottery win? A few factors to consider

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