I was looking over the latest Fortune 500 list of companies. How telling it is the Wal Mart has become the largest company. Consumerism rules inside the USA. As American's have become debt addicts the country crumbles. Who's fault is it the American's consider spending more important then saving. We as individuals have chosen what is important. No one makes us buy what we can't afford. But interest rates are at an all time low. Soon interest will reverse itself. I too am to blame for the present crisis. I am in the process of paying off my credit cards. This short term outlook on life is known as lower class living.

The baby boom generation is fast approaching retirement age. Without much in the way of savings or second incomes. We are a debt based economy that must begin to pay down our debt and begin saving at least 10% of our income. Another 10% should be given to a charity of your choice. This shows that money is not your first love. This approach to life is know as upper class living.