It is something that happens to all of us. We reach a point in any venture that we take on and then we get to the place that a decision needs to be made, a direction needs to be set, or a plan needs to be developed. The economy is struggling, the country is trying to figure out what it wants to be, and cities and states are trying to figure out whether to take bailout money or not. Families are trying to determine how to move forward and provide for now and try to look at the future.

Whether we want to admit it or not, the future has changed. Just 1 year ago i was thinking about setting up retirement stuff and college funds. Now I am trying to do the same but the fact that my 401k is own 40%. I am basically losing the employer matching each month. The only thing certain about the future is it won’t be what you expect.