The number of Hispanics in poverty in the United States dropped by 1.2 percent from 2010 to 2011 - the largest drop of any group - but overall 1 of 4 Latinos remain stuck among America's poorest.

Several posts this month have addressed household wealth (or the lack of it) among minorities. So what comes next? Retirement, which involves every generation. And it’s not a bright picture, for Latinos especially.

For too many Latinos, debt has become a way of life. Not because Latinos are big spenders but more because of economic circumstances and because they've become easy victims of predatory lenders.