I'm not a doomsdayer but I am a realist we must face the reality of what's going on in America because of irresponsible government spending and the printing of money most advisors just say hang in there things will get back to normal someday I have news for you get used to different and so recently I was teaching how to eliminate the dangers that are caused by this ripple effect of government spending inflation is going to affect everybody it's going to take the cost of living and double it in the next 5 years at the true rate of inflation the second ripple effect is the biggest mistake people making thinking they're going to be a lower tax bracket when they retire no that has not been true or acatic now for over 30 years and Market volatility which is going to continue.