Who in the middle class can answer the following questions:

1.    Is anyone on track for the retirement of their dreams?

2.    Can anyone say they have a specific game plan to get them to the retirement of their dreams?

At best, only 10% could answer yes.  Studies indicate that the average 50 year old has saved less than $50,000 which will not make for a happy retirement, especially when $1 million at 4% only generates $40,000 per year of income.  That amount of income is not much when most people have children and even grandchildren depending on them over the next 10, 20 to 30 years.  Too many people are counting on the government to bail them out which is a very bad bet today as government is literally mortgaging the future of our children, grandchildren and great-grandchildren.  So much in fact that every U.S. person has a minimum debt of $250,000 due to the gross government excesses when considering the total Federal debt (both budget and off-budget items).  It’s absolutely atrocious!