My 16-year-old son, Jeff, is a boy any parent would be proud of-until you see the floor of his room, covered with layers of clothes, magazines and sports equipment.

Recently I accompanied Jeff to the credit union where he opened up his first bank account. While the credit officer was processing the paper work, I told Jeff he needed a safe, accessible place to store his passbook.

"I know, Mom," he replied. "I'll keep it on my floor."