Take 100 people at the start of their working careers and follow them for 40 years until they reach retirement age, and here’s what you’ll find according to the Social Security Administration: only 1 will be wealth; 4 will be financially secure; 5 will continue working, not because they want to, but because they have to; 36 will be dead; and 54 will be dead broke – dependent on their Social Security checks, relatives, and friends for a minimum standard of living.  That’s 5 percent successful, 95 percent unsuccessful.  Which category do you want to be in?  Winner or Loser?

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