Unretirement

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Publisher : Bloomsbury Publishing USA
ISBN 13 : 1620401584
Total Pages : 297 pages
Book Rating : 4.6/5 (24 download)

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Book Synopsis Unretirement by : Chris Farrell

Download or read book Unretirement written by Chris Farrell and published by Bloomsbury Publishing USA. This book was released on 2014-09-02 with total page 297 pages. Available in PDF, EPUB and Kindle. Book excerpt: The budget battles of recent years have amplified the warnings of demographic doomsayers who predicted that a wave of baby boomers would bleed America dry, bankrupting Social Security and Medicare as they faded into an impoverished old age. On the contrary, argues award-winning journalist Chris Farrell, we are instead on the verge of a broad, positive transformation of our economy and society. The old idea of "retirement"--a word that means withdrawal, describing a time when people gave up productive employment and shrank their activities--was a short-lived historical anomaly. Humans have always found meaning and motivation in work and community, Farrell notes, and the boomer generation, poised to live longer in better health than any before, is already discovering unretirement--extending their working lives with new careers, entrepreneurial ventures, and volunteer service. Their experience, wisdom--and importantly, their continued earnings--will enrich the American workplace, treasury, and our whole society in the decades to come. Unretirement not only explains this seismic change, now in its early stages, it provides key insights and practical advice for boomers about to navigate this exciting, but unsettled, new frontier, drawing on Chris Farrell's decades of covering personal finance and economics for Bloomsberg Businessweek and Marketplace Money. This will be an indispensable guide to the landscape of unretirement from one of America's most trusted experts.

The Unretirement

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Author :
Publisher : HarperCollins UK
ISBN 13 : 0008694176
Total Pages : 337 pages
Book Rating : 4.0/5 (86 download)

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Book Synopsis The Unretirement by : Penny Mirren

Download or read book The Unretirement written by Penny Mirren and published by HarperCollins UK. This book was released on 2024-05-23 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: 'Funny, uplifting and warm' Sunday Times bestselling author PHILLIPA ASHLEY 'Beautifully written, the characters leap from the page' Million-copy bestselling author SUE MOORCROFT

The Missing Entrepreneurs 2021 Policies for Inclusive Entrepreneurship and Self-Employment

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Author :
Publisher : OECD Publishing
ISBN 13 : 9264840613
Total Pages : 327 pages
Book Rating : 4.2/5 (648 download)

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Book Synopsis The Missing Entrepreneurs 2021 Policies for Inclusive Entrepreneurship and Self-Employment by : OECD

Download or read book The Missing Entrepreneurs 2021 Policies for Inclusive Entrepreneurship and Self-Employment written by OECD and published by OECD Publishing. This book was released on 2021-11-29 with total page 327 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Missing Entrepreneurs 2021 is the sixth edition in a series of biennial reports that examine how public policies at national, regional and local levels can support job creation, economic growth and social inclusion by overcoming obstacles to business start-ups and self-employment by people from disadvantaged or under-represented groups in entrepreneurship.

Reconstructing Retirement

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Author :
Publisher : Policy Press
ISBN 13 : 1447326199
Total Pages : 224 pages
Book Rating : 4.4/5 (473 download)

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Book Synopsis Reconstructing Retirement by : David Lain

Download or read book Reconstructing Retirement written by David Lain and published by Policy Press. This book was released on 2018-01-24 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United Kingdom, retirement programs are being reconstructed to follow the American practice of abolishing mandatory retirement and increasing state pension ages. This timely book compares prospects for work and retirement at age sixty five-plus in both the United States and the United Kingdom. After exploring the shifting logic behind both nations' policies--policies that increase both the need and opportunities to work past age sixty five--David Lain presents an original comparative statistical analysis on the wide range of factors influencing employment at this age, from the ability to move between jobs in order to remain employed to changing employment trends. He then proposes a series of policies to address these factors across the life-course and promote security and autonomy for older people. Pathways to employment after sixty five are complex, and pressures to work at this age are likely to result in very unequal outcomes. This book will play a vital role in creating a more positive, more equitable future for late careers and retirement.

Redefining Retirement

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Author :
Publisher : OUP Oxford
ISBN 13 : 019152817X
Total Pages : 346 pages
Book Rating : 4.1/5 (915 download)

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Book Synopsis Redefining Retirement by : Brigitte Madrian

Download or read book Redefining Retirement written by Brigitte Madrian and published by OUP Oxford. This book was released on 2007-07-12 with total page 346 pages. Available in PDF, EPUB and Kindle. Book excerpt: As the leading edge of the 'Baby Boom' generation attains age 60, members of this unusually large cohort born 1946-66 are poised to redefine retirement - just as they have restructured educational, housing, and labor markets in prior days. Looking ahead, their numbers and energy are sure to have a major impact on national pensions, healthcare, and social safety nets. Contributors to this volume note that 'Boomers' will be better off than their predecessors in many ways, having benefited from the long run-up in housing prices, dramatic improvements in healthcare, and the expanding economy. On the other hand, the generation's sheer size will surely squeeze resources and require new approaches to retirement risk management. This volume paints a complex and fascinating picture as Boomers move into retirement. On average they are in better financial and physical health than prior cohorts, and they can be anticipated to fare better than current retirees in absolute terms. Yet the distribution of retiree income and wealth will be less equal than in earlier years, and in relative terms, many Boomers will be less well off than their forebears. Contributors to the volume use many invaluable models and datasets, including the incomparable Health and Retirement Study (HRS) which affords unique insights into the status of mature adults surveyed at the same age and hence same point in their life cycles, but at three different time periods. Analysts offer new evidence about prospects for health and income during retirement, as well as pensions and housing equity, health, portfolio allocation, and financial literacy. This book offers readers an invaluable and first book-length study of Boomers as they march into retirement. As such, it represents an invaluable addition to the Pension Research Council/Oxford University Press series. It will be especially useful for scholars and policymakers seeking to understand retirement preparedness, to actuaries and tax specialists concerned with retirement system regulation, and to plan sponsors interested in the determinants of work and retirement at older ages.

Purpose and a Paycheck

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Author :
Publisher : AMACOM
ISBN 13 : 0814439624
Total Pages : 289 pages
Book Rating : 4.8/5 (144 download)

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Book Synopsis Purpose and a Paycheck by : Chris Farrell

Download or read book Purpose and a Paycheck written by Chris Farrell and published by AMACOM. This book was released on 2019-02-05 with total page 289 pages. Available in PDF, EPUB and Kindle. Book excerpt: Purpose and a Paycheck tells the compelling story of how a growing movement of older entrepreneurs and part-time workers are creating a stronger and more vibrant economy. People 65 and older will account for 20 percent of the population in 2030, up from 13 percent in 2000. Many prognosticators blame the aging population for the stagnating economy, citing that as more people retire, they will stop working as relatively fewer working people have to support growing numbers of dependent elderly. Purpose and a Paycheck debunks this line of thought by showing how a growing movement of elderly entrepreneurs and part time workers are creating conditions for a stronger economy Growing numbers of Americans are no longer retiring in the traditional sense, and the numbers are striking such as: the labor force participation rate of men 60 years and over has risen nearly one-third from a low of 26 percent in 1996 to 35 percent in 2014, the comparable rate for women is from 15 percent to 25 percent, and 25.5 percent of new business ventures in 2016 were started by the 55-to-64-year-old age group, up from 14.8 percent in 1996. America’s aging society and workforce is redefining work for all generations and is a strong force in shaping the U.S. economy and society, alongside globalization, automation, and climate change. Reframing aging will result in faster rates of economic growth and higher living standards for all of us in addition to a more fulfilling and financially secure second half of life for our aging population.

The Man Who Broke Capitalism

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Publisher : Simon and Schuster
ISBN 13 : 1982176431
Total Pages : 182 pages
Book Rating : 4.9/5 (821 download)

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Book Synopsis The Man Who Broke Capitalism by : David Gelles

Download or read book The Man Who Broke Capitalism written by David Gelles and published by Simon and Schuster. This book was released on 2022-05-31 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt: New York Times Bestseller New York Times reporter and “Corner Office” columnist David Gelles reveals legendary GE CEO Jack Welch to be the root of all that’s wrong with capitalism today and offers advice on how we might right those wrongs. In 1981, Jack Welch took over General Electric and quickly rose to fame as the first celebrity CEO. He golfed with presidents, mingled with movie stars, and was idolized for growing GE into the most valuable company in the world. But Welch’s achievements didn’t stem from some greater intelligence or business prowess. Rather, they were the result of a sustained effort to push GE’s stock price ever higher, often at the expense of workers, consumers, and innovation. In this captivating, revelatory book, David Gelles argues that Welch single-handedly ushered in a new, cutthroat era of American capitalism that continues to this day. Gelles chronicles Welch’s campaign to vaporize hundreds of thousands of jobs in a bid to boost profits, eviscerating the country’s manufacturing base, and destabilizing the middle class. Welch’s obsession with downsizing—he eliminated 10% of employees every year—fundamentally altered GE and inspired generations of imitators who have employed his strategies at other companies around the globe. In his day, Welch was corporate America’s leading proponent of mergers and acquisitions, using deals to gobble up competitors and giving rise to an economy that is more concentrated and less dynamic. And Welch pioneered the dark arts of “financialization,” transforming GE from an admired industrial manufacturer into what was effectively an unregulated bank. The finance business was hugely profitable in the short term and helped Welch keep GE’s stock price ticking up. But ultimately, financialization undermined GE and dozens of other Fortune 500 companies. Gelles shows how Welch’s celebrated emphasis on increasing shareholder value by any means necessary (layoffs, outsourcing, offshoring, acquisitions, and buybacks, to name but a few tactics) became the norm in American business generally. He demonstrates how that approach has led to the greatest socioeconomic inequality since the Great Depression and harmed many of the very companies that have embraced it. And he shows how a generation of Welch acolytes radically transformed companies like Boeing, Home Depot, Kraft Heinz, and more. Finally, Gelles chronicles the change that is now afoot in corporate America, highlighting companies and leaders who have abandoned Welchism and are proving that it is still possible to excel in the business world without destroying livelihoods, gutting communities, and spurning regulation.

The Retirement Rescue Plan

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Author :
Publisher : Callisto Media, Inc.
ISBN 13 : 1943451230
Total Pages : 199 pages
Book Rating : 4.9/5 (434 download)

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Book Synopsis The Retirement Rescue Plan by : Melissa Phipps

Download or read book The Retirement Rescue Plan written by Melissa Phipps and published by Callisto Media, Inc.. This book was released on 2016-06-01 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: "...fresh, realistic, and comprehensive solutions for the millions of Americans who haven't saved enough for retirement." —NANCY COLLAMER, Public Speaker, Career Coach, and Author of Second-Act Careers: 50+ Ways to Profit Your Passions During Semi-Retirement When financial planning expert Melissa Phipps decided to quit her 9-to-5 and start her own business, she told herself, "the time is now." It wasn't retirement, but it was the first step. Not long after, she found herself in the middle of a large and unanticipated financial dilemma. And in order to survive it, she had to make some major changes that ultimately came down to one thing: redefining retirement. The Retirement Rescue Plan will prepare you for retirement in a way that takes you into account—allowing you to define "retirement" in a new, realistic, and exciting way. The goals are simple: work less, earn enough, and be happier than ever. Are you ready to get planning? Assess what makes you happy—it sounds obvious, but when was the last time you took an honest look at what you really wanted? Gain control of your finances by reviewing your savings, expenses and budget with sample worksheets and exercises Generate ideas for continued earnings by considering your unique skills and interests; and find extra inspiration by reading real-life retirement success stories Ensure your security with five methods to avoid common retirement planning mistakes Nothing compares to the joy and relief you will feel when you find your way from financial despair to a fulfilling future, as you start to enjoy retirement in a way that works for YOU.

The Retirement Reformation

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Author :
Publisher : WestBow Press
ISBN 13 : 1973661748
Total Pages : 199 pages
Book Rating : 4.9/5 (736 download)

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Book Synopsis The Retirement Reformation by : Bruce Bruinsma

Download or read book The Retirement Reformation written by Bruce Bruinsma and published by WestBow Press. This book was released on 2019-06-07 with total page 199 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Retirement Reformation will change the way we think about what our culture calls retirement. While acknowledging the reality of longevity, Bruce Bruinsma challenges both individuals and faith-based organizations to reexamine, reshape, reform, and revitalize the fastest-growing segment of our society. God has a unique call for each of our lives, and it does not stop at sixty-five or seventy.

Boomers 3.0

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Publisher : Bloomsbury Publishing USA
ISBN 13 : 1440857237
Total Pages : 206 pages
Book Rating : 4.4/5 (48 download)

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Book Synopsis Boomers 3.0 by : Lawrence R. Samuel

Download or read book Boomers 3.0 written by Lawrence R. Samuel and published by Bloomsbury Publishing USA. This book was released on 2017-07-14 with total page 206 pages. Available in PDF, EPUB and Kindle. Book excerpt: Capitalizing on what is arguably the most important social phenomenon of our time and place—the aging of America—this book shows organizations how to market specifically to baby boomers in their third act of life. The graying of America is undeniable, with an estimated 10,000 boomers turning 65 every day. But to dismiss the baby boomer generation as a group no longer worth marketing to would be foolish. According to the Census Bureau, in 2029—the year when the last boomer will have turned 65—there will still be more than 61 million boomers, roughly 17 percent of the projected population of the United States. Boomers will still be the wealthiest generation in the United States until at least 2030, according to the Deloitte Center for Financial Services, with their share of net household wealth to peak at 50.2 percent by 2020. Boomers 3.0: Marketing to Baby Boomers in Their Third Act of Life describes how to market to baby boomers from a cultural perspective, specifically addressing the demographic group of baby boomers in their later adulthood—a period that will continue for the next two to three decades. The author uses the term "3.0" to indicate the baby boomers' third phase of life and explains how this third act of life will differ from earlier periods; accordingly, organizations should take a different approach to marketing to them than in the past. This book offers a way to contextualize business objectives within a culturally based, forward-thinking framework that fully leverages the opportunities presented by what is perhaps the biggest and most affluent customer base in history. Readers will be able to use the strategies described to map territories to stake and mine in targeting boomers, create meaningful relationships with individuals in this group, and communicate effectively with boomers to offer them products and services.

How to Retire Overseas

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Author :
Publisher : Penguin
ISBN 13 : 0525538461
Total Pages : 354 pages
Book Rating : 4.5/5 (255 download)

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Book Synopsis How to Retire Overseas by : Kathleen Peddicord

Download or read book How to Retire Overseas written by Kathleen Peddicord and published by Penguin. This book was released on 2018-05-08 with total page 354 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive guide for anyone dreaming of living in paradise when they retire. Whether motivated by a desire for adventure, or the need to make the most of a diminished nest egg, more and more Americans are considering an overseas retirement. Drawing on her more than three decades of experience helping people relocate happily and successfully, Kathleen Peddicord shows how living in an unconventional retirement destination can cost less than a traditional home in Florida or Arizona. Peddicord addresses all of the essential issues, including: • Finding a home to own or rent • Researching and understanding your tax liability • Obtaining health insurance and medical care • Avoiding common mistakes and pitfalls • Opening a bank account Whether readers are interested in relatively unknown havens like Nicaragua, well-traveled areas in Italy, or need some help deciding, How to Retire Overseas is the ultimate guide to making retirement dreams come true.

Global Talent Management During Times of Uncertainty

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Publisher : Emerald Group Publishing
ISBN 13 : 1802620575
Total Pages : 161 pages
Book Rating : 4.8/5 (26 download)

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Book Synopsis Global Talent Management During Times of Uncertainty by : Francine Schlosser

Download or read book Global Talent Management During Times of Uncertainty written by Francine Schlosser and published by Emerald Group Publishing. This book was released on 2022-11-10 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Exploring the uncertain contexts related to socio-political and socio-economic change, Global Talent Management During Times of Uncertainty investigates how rapidly evolving national policies, social and cultural contexts influence and continue to affect post-pandemic global talent management.

Reconsidering Retirement

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Author :
Publisher : Rowman & Littlefield
ISBN 13 : 081570500X
Total Pages : 188 pages
Book Rating : 4.8/5 (157 download)

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Book Synopsis Reconsidering Retirement by : Courtney C. Coile

Download or read book Reconsidering Retirement written by Courtney C. Coile and published by Rowman & Littlefield. This book was released on 2010-11-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: The economic downturn that began in 2008, the most severe in decades, has hit older Americans hard. Many have seen huge losses to their 401(k)s. In numerous cases the value of homes—the largest investment most older Americans have ever made—has diminished considerably. In addition, large numbers of American workers, including those 50 and older, have lost their jobs and may have difficulty replacing them. Suddenly the future seems a whole lot less certain, throwing years of planning into doubt. In Reconsidering Retirement, economists Courtney Coile and Phillip Levine go beyond the headlines to explain how the economic crisis will affect the future plans and well-being of older Americans. Amid well-publicized reports that older workers needed to stay on the job because of the crisis, the number of U.S. workers claiming Social Security retirement benefits actually rose substantially from 2008 to 2009. The authors maintain that job loss has been the culprit, leading to premature retirement, and while this trend may have been less noticed, it is perhaps the more significant outcome of the crisis. Coile and Levine examine the three major characteristics of the recession thought to influence retirement behavior: decline in the stock market, reduced housing values, and a weak labor market. The authors find that lower home prices did not actually affect retirement behavior but that the decline in the stock market did lead some workers to delay retirement, while a weakened labor market actually forced more older workers with fewer skills into retirement. As a result, these early retirees, who rely on Social Security, face a lifetime of lower benefits. The legacy of recessions is that those most in need usually are last to reap the benefits of an economic recovery. While the lion's share of media coverage after the economic downturn of 2008–09 has gone to the plight of older workers who remain employed, Courtney Coile and Phillip Levine exami

Aging, Work, and Retirement

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Author :
Publisher : Rowman & Littlefield
ISBN 13 : 1538139626
Total Pages : 239 pages
Book Rating : 4.5/5 (381 download)

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Book Synopsis Aging, Work, and Retirement by : Elizabeth F. Fideler

Download or read book Aging, Work, and Retirement written by Elizabeth F. Fideler and published by Rowman & Littlefield. This book was released on 2020-07-07 with total page 239 pages. Available in PDF, EPUB and Kindle. Book excerpt: Aging, Work, and Retirement presents the reasons older men and women are staying in the workforce as long as they are able to do so—information of immediate value to undergraduate and graduate students across the fields of sociology, gerontology, industrial/organizational psychology, and business management as well as to corporate leaders, human resources managers, professional organizations and policy makers. The text reflects a growing interest in and concern regarding aspects of aging, ageism, labor market challenges, workplace issues, plus gender and racial/ethnic similarities and differences in employment history and extended worklife opportunities, as they affect older workers in this country and abroad. Each chapter has cases and profiles and other strong pedagogical features allowing students to integrate the content with real world examples.

Current and Emerging Trends in Aging and Work

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Author :
Publisher : Springer Nature
ISBN 13 : 3030241351
Total Pages : 462 pages
Book Rating : 4.0/5 (32 download)

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Book Synopsis Current and Emerging Trends in Aging and Work by : Sara J. Czaja

Download or read book Current and Emerging Trends in Aging and Work written by Sara J. Czaja and published by Springer Nature. This book was released on 2019-09-13 with total page 462 pages. Available in PDF, EPUB and Kindle. Book excerpt: This timely volume provides an up-to-date and comprehensive summary about what is known about aging and work and addresses the challenges and opportunities confronting older workers and organizations. The authors describe current and emerging topics related to work and aging adults such as working in teams, the increasing diversity of the labor force, work and caregiving, the implications of technology for an aging workforce, and health and wellness issues. The authorship is international; the authors are renowned for their respective work in the topical areas and represent a broad range of disciplines within academia, as well as offer perspectives from government and policy. Jobs, organizations, the labor market, and the workforce are experiencing dramatic change. Workers of all ages, including older workers, need to interact with the wide variety of ubiquitous technologies that are reshaping work processes, job content, work settings, communication strategies, and the delivery of training, and this book aims to update readers on the particular issues facing today’s aging adults in the workplace. The chapters’ broad and inclusive scope encompasses: Workplace aging and jobs in the 21st century The retirement income security outlook for older workers Population aging, age discrimination, and age discrimination protections Older workers and the contemporary labor market The role of aging, age diversity, and age heterogeneity within teams The intersection of family caregiving and work Current and Emerging Trends in Aging and Work is relevant to a broad audience of academic researchers, practitioners, and students in psychology, sociology, management, engineering (industrial and human factors), the health sciences, gerontology/geriatrics, and public health. It is also a useful resource for government and policy leaders, as well as workers and managers in the public and private sectors.

Diversity and Disparities

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Author :
Publisher : Russell Sage Foundation
ISBN 13 : 1610448464
Total Pages : 493 pages
Book Rating : 4.6/5 (14 download)

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Book Synopsis Diversity and Disparities by : John Logan

Download or read book Diversity and Disparities written by John Logan and published by Russell Sage Foundation. This book was released on 2014-11-01 with total page 493 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is more diverse than ever before. Increased immigration has added to a vibrant cultural fabric, and women and minorities have made significant strides in overcoming overt discrimination. At the same time, economic inequality has increased significantly in recent decades, and the Great Recession substantially weakened the economic standing not only of the poor but also of the middle class. Diversity and Disparities, edited by sociologist John Logan, assembles impressive new studies that interpret the social and economic changes in the United States over the last decade. The authors, leading social scientists from many disciplines, analyze changes in the labor market, family structure, immigration, and race. They find that while America has grown more diverse, the opportunities available to disadvantaged groups have become more unequal. Drawing on detailed data from the decennial census, the American Community Survey, and other sources, the authors chart the growing diversity and the deepening disparities among different groups in the United States Harry J. Holzer and Marek Hlavac document that although the economy always rises and falls over the business cycle, the Great Recession of 2007–2009 was a catastrophic event that saw record levels of unemployment, especially among less-educated workers, young people, and minorities. Emily Rosenbaum shows how the Great Recession amplified disparities in access to home ownership, and demonstrates that young adults, especially African Americans, are falling behind previous cohorts not only in home ownership and wealth but even in starting their own families and households. Sean F. Reardon and Kendra Bischoff explore the rise of class segregation as higher-income Americans are moving away from others into separate and privileged neighborhoods and communities. Immigration has also seen class polarization, with an increase in both highly skilled workers and undocumented immigrants. As Frank D. Bean and his colleagues show, the lack of a path to legal status for undocumented immigrants inhibits the educational and economic opportunities for their children and grandchildren. Barrett Lee and colleagues demonstrate that the nation and most cities and towns are becoming more diverse by race and ethnicity. However, while black-white segregation is slowly falling, Hispanics and Asians remain as segregated today as they were in 1980. Diversity and Disparities raises concerns about the extent of socioeconomic immobility in the United States today. This volume provides valuable information for policymakers, journalists, and researchers seeking to understand the current state of the nation.

The Bogleheads' Guide to Retirement Planning

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Author :
Publisher : John Wiley & Sons
ISBN 13 : 0470919019
Total Pages : 407 pages
Book Rating : 4.4/5 (79 download)

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Book Synopsis The Bogleheads' Guide to Retirement Planning by : Taylor Larimore

Download or read book The Bogleheads' Guide to Retirement Planning written by Taylor Larimore and published by John Wiley & Sons. This book was released on 2011-02-22 with total page 407 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Bogleheads are back-with retirement planning advice for those who need it! Whatever your current financial situation, you must continue to strive for a viable retirement plan by finding the most effective ways to save, the best accounts to save in, and the right amount to save, as well as understanding how to insure against setbacks and handle the uncertainties of a shaky economy. Fortunately, the Bogleheads, a group of like-minded individual investors who follow the general investment and business beliefs of John C. Bogle, are here to help. Filled with valuable advice on a wide range of retirement planning issues, including some pearls of wisdom from Bogle himself, The Bogleheads' Guide to Retirement Planning has everything you need to succeed at this endeavor. Explains the different types of savings accounts and retirement plans Offers insights on managing and funding your retirement accounts Details efficient withdrawal strategies that could help you maintain a comfortable retirement lifestyle Addresses essential estate planning and gifting issues With The Bogleheads' Guide to Retirement Planning, you'll discover exactly what it takes to secure your financial future, today.