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Financial Fitness Forever by Richard Buck, Paul Merriman

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1HOW DID WE GET HERE?

“The future ain’t what it used to be.”

—Yogi Berra

It feels very strange to me to begin a book with a chapter of bad news. I’m a positive guy, an optimist who looks forward to the future. I believe we can have a future that’s filled with interesting and fulfilling possibilities. But for reasons I’m going to outline in this chapter, that future belongs increasingly only to those of us who make the right choices and take care of ourselves.

We’re in an emotional and financial fix, and in order to know how to get out of it, we should look at how we got into it. In a nutshell, we don’t have enough money. Unlike our parents and grandparents, we probably don’t have pensions. We have more debt than we can handle. Inflation invisibly ...

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