New York (CNN Business)Call it a tale of two economies. Two new studies paint a contradictory picture of Americans’ personal finances. One found that tens of millions of Americans can’t afford their medical bills, just as news dropped that 401(k), IRA and 403 (b) balances reached a record high last year. The stock market is undeniably on fire. The major US stock market averages are near record highs and it shows in 401(k) accounts. […]