The statistics on personal finance in the USA are disturbing. So many people are living beyond their means, supporting their lifestyle by making ever more purchases on their credit cards. They seem to be ignoring the problems that loom in the future; insufficient funds to finance retirement. There is no use relying on the Social Security System because even at the present level, benefits are insufficient for a comfortable retirement. The likelihood is that with the current administration, President and Congress both Republican, there will be none of the additional funding required to sustain current benefits beyond the short term.