If your present situation in this economy is
such that you’re not in the top 5% of the wealthy in this country,
you’d better start looking to find out what, if anything, you can do to
ensure that your standard of living
when you retire will be sustained and supported by the assets you then
have. If 60% of Americans have no net worth, I will bet that in ten
years that percentage will rise to 85% — Not a very good outlook.