requires more fuel. Bottom Line: If your retirement savings strategy is based only on government-sponsored accounts, you may already be on the wrong side of history. Financial Bondage and Freedom Many Americans today are in financial bondage because of consumer debt. Most families are simply trying to make ends meet. My hope is that this book will give you financial strategies that can help break that cycle and bring lasting freedom. At 79 years old, I am blessed with an amazing wife in her 50s, an eleven- year-old son, and two great-granddaughters. And yet I often wonder: What kind of world will they grow up in? How will they survive and overcome the economic and social challenges of tomorrow? What freedoms will be restricted? What lifestyle will be possible? In other words, how will they cope with our changing world? Let me ask you a question: Is your money worth more today than it will be tomorrow? Being informed about basic economics is one of the keys to financial freedom. A Personal Note Growing up in what I call the “golden years” of America, I have always believed in the American Dream—the idea that anyone could become anything simply because they were American. I have lived that dream myself, working my way through the University of Arkansas and graduating with a bachelor’s degree in marketing and a minor in sociology. Looking back, I can only imagine how much more difficult it would be to accomplish the same thing in today’s world. It will take determination, grit, discipline and hard work with focus on your dreams. That’s why I wrote this book. It represents more than 41 years in the financial services industry and nearly 80 years of living through a rapidly changing world. My goal is simple: to share the strategies that can change your economic destiny and prepare your family for the future.
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