Take This Quiz to Find Out

Note any of the following that you or others in your family face or feel concerned you might be facing in the future.

___ Working longer and harder with little additional pay
___ Possible layoffs, closures or required pay cuts
___ Fewer or no vacation and/or sick leave days
___ Increased health insurance costs or no health insurance benefits
___ Loss or freezing of retirement benefits
___ Lower return or loss of 401K  investment income
___ Difficulty finding a new job at an acceptable salary
___ Type of work you do or people you train being off-shored
___ Inability to save as much as you'd like or not at all
___ Increasing personal debt to keep up your lifestyle
___ Need to shop more at box discount stores and outlet centers
___ Less discretionary income or time for things you once enjoyed.
___ Retirement funds not going as far as planned
___ Taking on one or more additional jobs to pay the bills
___ Feeling increasingly stressed and pressed for time

Most people are experiencing one or more of these challenges. The more that apply to you, the more important it is for you to begin shifting your career and lifestyle to create a lifeboat that will secure your economic future.