So often we hear how hard it is in America to retire with financial independence. We hear horror stories that only a small percentage of our population has any money in retirement and that most folks are poor in their later years. We hear stories from those who attempt to sell us stuff that 50% of us will be dead or broke at age 60. We hear this so much that many have begun to accept this as fact. In fact it is part of a sales technique used in MLM or Multi-Level Marketing.

Recently in a coffee shop a future teacher was told that;