I turned on the internet this morning and MSN is the first thing that pops up. Headline is "Americans Face Retirement Disaster." Important real life facts: 1) 97% of all Americans will retire broke dependent on family, government, and friends by the age of 65. 2) 10,000 baby boomers are retiring a day 3) 99% of all Americans will pass away with less than $1000 cash in the bank. Don't believe me here is the article: http://articles.moneycentral.msn.com/learn-how-to-invest/warning-retirement-disasters-ahead.as px Here is one key quote from the article....."We're headed for a retirement train wreck," he adds, "and it's going to get really ugly over the next 15 years." Way to many people are caught up in one-time pay cyclers biz oppty/programs, that have zero history of establishing "walkaway" monthly residual income. Way to many people are just focused on direct sales with affiliate marketing and not establishing "walkaway" monthly residual income. Way to many people are participating in network marketing business opportunities thinking they can build "walkaway" monthly residual income in a networking business, but don't realize that to create a 4-5 figure monthly income you need thousands to 10's of thousands of team members on your team. Here's the deal, if you are working a business that will always take YOU working the business to make money, you are on a course for income problems potentially down the road like the many americans facing a retirement disaster. The oldest person in the world died the other day she was 114 years old: http://www.nydailynews.com/news/world/2010/11/04/2010-11-04_worlds_oldest_person_eugenie_blanc hard_dead_at_114_years_old.html?r=news Question, what if you live that long, is what you doing now, still potentially going to bring you in a nice income when you are 100, when you can't do it like you are doing it now? The answer for most people is a resounding no, even if they make it to age 75. Thus the time to take action to resolve that is NOW, not HOPEFULLY later. You don't have to stop anything that you are doing that you love but you may want to seriously consider diversifying your income with an opportunity that can create a nice 4-5 figure MONTHLY residual income in a short period of time with a small team. That is what I've learned must be done after 16 years of fooling around with network marketing, I finally "got it" and now have a system in place not just for me to win, but for the average and ordinary person to achieve success of 4-5 figures in monthly residual income working from home. Effective use of your time in the present to manifest a great future is Wisdom!