By Charles Ashbacher
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The wisdom of those stories lies not in how hard they worked, but in how the value of one dollar THE GIFT THAT KEEPS ON GIVING Tired of getting stupid gifts from your parents and relatives that you'll never use or wear? S. savings bond? It's easy for them to buy, and they are sure to be impressed with how responsible you are. S. savings bond will increase in value. That's probably not going to happen with those gold-leaf appetizer plates you got from Aunt Martha. Twenty years from now, if you still have them, they'll just be taking up space and collecting dust balls.
Creating a better futuredistant as that future may seem nowis a second chance to realize your dreams. You've Probably Already Started If you have worked, and your employer has truncated your paycheck for something called FICA, you have already begun contributing to Social Security, a forced plan for retirement. FICA stands for the Federal Insurance Contributions Act, which mandates that employees participate in this plan. It may not be much, but it is something. Predicting the death of Social Security has become commonplace.
Corporate downsizing and employee job-hopping have made even fewer people eligible for pensions that provide a specific amount of money every month of every retirement year. As for employer-paid medical coverage after an employee retires, that is rare, indeed, these days. Don't count on the government for the money to enjoy retirement. Social Security will help to pay some of your bills, but you'll need other financial resources to be comfortable, have fun, and feel financially secure. Don't count on beating the odds.