It’s a fact that most people face an uncertain financial future (or in their mind a financial future of despair and no hope). This is confirmed by statistics everywhere.

It’s also a fact that most people, including myself, did not learn how to manage money effectively, compliments of the worldwide education system. On the contrary, we are all subjected to the conditioning of consumerism.

What does this mean?

As baby boomers, we were taught to get a job and work our way up and save for retirement. Nobody could foresee that when retirement came, the money saved would not be able to cover living expenses. Or that medical-expenses would basically become unaffordable.

Then there is the group of people who don’t even have a nest egg of any kind, who are living month to month and getting into debt because of rising living expenses. This becomes a cycle leading to stress, fear of not having money, and this again impacts their health, resulting in more expenses. A dark picture indeed.