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Not that we don't already have problems

I'd like to make a prediction right now. Internet Wayback machine, make a note of this time so that we can return to it 15 years from now.

We are going to have a huge economic problem 15 years from now when people are trying to retire but don't have the money. I'm surprised by how many people come into my office that are in their 40's and 50's and can't even get $100 together for a refundable application fee over the course of a few months. If people can't do that, how in the world are they saving for retirement?

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