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We cannot expect to inherit retirement savings from our parents; increasingly we may have to help our parents in their retirement without us even realizing are living longer and long term health care costs are rising significantly. To make matters worse, most US Corporationsare slashing their pension plans, forcing US citizens to be entirely independent in saving for their future.

Women earned nearly 60% of all bachelor's degrees awarded recently years, versus 43% in 1970 and 24% in 1950. Women earned exactly the same share of master's degrees of severity.

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Productivity for this average You.S. worker rose an average of 2.6% annually during the past 10 years, the largest gains in 40 months or even years. Rising productivity is a long-term factor to higher standards of daily life.

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