CHOICE Author

Life is Change

Image of CHOICE author, Thomas Melton

Growing up in a small town in Pennsylvania, I remember shopping was limited to a local “Five and Dime” store. We dined out very infrequently and mostly on Mom’s birthday. If we had any extra cash, it was hidden in a shoe in the closet. Using the air conditioner was proceeded by using a window fan. Furniture in most homes was always covered with plastic. Our blue jeans always needed patches. And, everyone always reused the tea bag.

Today, people shop at well known large retailers and eat out daily, it seems. Daily rituals to Starbucks are common. And technology has us frequently buying the latest and greatest.

When I was growing up, people believed that if they lived to enjoy retirement, they should have their house paid off and put all their money in the bank.Image of CHOICE briefing cover

Today, having the house paid off and having all their money in the bank has left all too many people cash flow poor and in jeopardy of not being able to produce enough income to last throughout their remaining lifetime.

Since 1900, the average life expectancy has nearly doubled. Employers have been voluntarily shutting down their pension plans. The government owes Social Security over 1.5 Trillion dollars and without tax increases or reduced benefits appears headed toward bankruptcy. I believe inflation has become the third inevitability in life it seems: Death, Taxes and Inflation.

Your financial future is what this book is all about. It is all about…