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Though painful to say, most people go through their entire lives on what we call the "Anti-Wealth" Plan. Others call it the "40/40/40 Plan." That is, work 40 hours a week for someone for 40 years and retire with $40 in the bank!

That's somewhat of an exaggeration, of course, but the U.S. Social Security Board, for example, has reported that 85 out of 100 Americans won't possess as much as $500 in savings by age 65. And only 2% will be self-sustaining; the rest will be dependent on family, church, or the government!

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