Please note:This audiobook has been generated using AI Voice. This is a companion version & not the original book. Sample Book Insights: #1 The government will not let you starve, but it is not committed to making your golden years golden. That is up to you. The majority of Americans who are about to retire will depend on government handouts for their retirement. #2 The Borrowers' financial future is headed over a cliff. Not only are they failing to build wealth, but they are building negative wealth, or debt. They rob tomorrow to pay for today. #3 The American lifestyle more closely resembles that of Chad and Cathy Consumer than that of the Borrowers. Instead of borrowing to the max, Americans spend to the max based on their combined net incomes. #4 The Consumers' financial lifestyle is all about earning to spend. They never stop to consider how much they're adding to the cost of the purchase or how long they will be paying for it. They believe they own their lifestyle, but in reality they are just renting it.