What's Your Plan?

retirement (Photo credit: 401K)If you are an average person working towards living the American Dream here are some sobering facts.

Out of 100 people who start working at the age of 25, by the age 65:

* 1% are wealthy
* 4% have adequate capital stowed away for retirement
* 3% are still working
* 63% are dependent on Social Security, friends, relatives or charity.
* 29% are deceased.
* The average savings of a 50 year old in the U.S. is $2500.

Out of 100 people who start working at the age of 25, by the age 65:

* 62 retire with less than $25,000 in assets and depend on Social Security or family for their retirement.

* Another 35 retire with less than $100,000, have some form of pension in addition to Social Security and are just making it in their retirement. If either Social Security or their pension went away they would have a very difficult time surviving.

* 2 of the 3 remaining retirees have an adequate pension or retirement account. They have assets of between $100,000 and $750,000. They do appreciate having the additional money they receive from Social Security, but could survive without it.

* The last of these 100 retirees, is the only one who is financially independent. This retiree has assets approaching or exceeding $1,000,000. They do not need the income from Social Security at all.

*according to Social Security Administration 2010

As you can see the old plan of going to college and getting a nice job with good benefits does not work these days.  So I ask you, what's your plan?


I've been in the fitness industry for over 20 years now and I make a really good living doing what I love. However, if I'm not in front of a client, I'm not not making money.  I've recently investigated ways to leverage my income. What I found was that network marketing was the best avenue for me to pursue.

"Network marketing" you say! "You mean those pryamid things?"  No, I mean a business model that gives a person of average means an avenue to create wealth with little upfront investment.   The RICHEST man in the world is WARREN BUFFET. He owns 3 Direct Selling Companies and has said "They are the BEST INVESTMENTS I EVER MADE."

By the way,pryamids are illegal and network marketing is not a pyramid. Network marketing has been around for over 50 years. It's kind of like starting your own franchise at a fraction of the cost. You multiply your efforts and income through a network of people you help to build successful businesses.  You share in the profit that everyone on your team makes.  That's called leveraging your income.  Thus, you keep making an income even when you are not working, similar to getting paid a royality.

Since I'm a personal trainer, I chose a company that makes health and wellness products for my network marketing company.  The products I market compliment my personal training business.  Typically I would recommend nutritional products for clients and send them to a nutrition store to purchase them and now I just send them to my online website to buy them.  I now get paid a commission, where as before no one at the nutrition store ever paid me anything.  Not only that, I'm also teaching others in the health and fitness industry to build successful business and I'm getting paid a commission on their efforts and so can you.

But, you say "I'm not good at selling anything".  Think about this, you do network marketing every time you recommend a good restaurant, a good banker, or any other good service you have ever had to a family member or a friend.  Network marketing is just sharing a product or service you believe in with your family and friends, you do it all the time.

If you want to learn more about network marketing click here to visit my website.