Here are a few facts to help you answer that question.

 FACT:     JOB LAY-OFFS ARE ON THE RISE! - "More than 43 million jobs have been lost to downsizing since 1979 ... One study found that 15 percent of downsized workers lost their homes, and another that the suicide rate among laid-off workers is 30 times the national average."

FACT:    RATE OF CREDIT CARD DEBT & PERSONAL BANKRUPTCY ON THE RISE! The number of bankruptcy petitions filed in federal courts rose from 1,504,806 in the 12 month period ending March 2002 to 1,611,269 in the same 12-month period in 2003. The number of filings continues to break records.

FACT:    THECOST OF WORKING A "JOB" IS TOO HIGH! The skyrocketing price of gasoline, long commutes, ever-increasing stress and hours away from the family are contributino to greater numbers of Americans seeking a way out of the rat race!

FACT:    CHILDREN LEFT UNSUPERVISED BY WORKING PARENTS INCREASES RISK! "Latchkey kids have more of a chance to experiment with drugs; become lonelier; and feel more stress from daily routines because they have no one with whom to share their feelings and problems." [Study by Pederson, J. 1998, Shelenbarger, S., 2000, Powers, D.A. 1991]

FACT:     FEDERAL TAXED CONTINUES TO CONSUME YOUR TAKE-HOME PAY!

FACT:     Americans coan no longer depend upon the 401K Plan, Pension Plan or Social Security to take care of their "Second 50 Years."   No security here!