John Shadegg

But with a rate of return of 1.6 percent or less, or a negative rate of return, our children and our grandchildren, if we do not make changes, will in fact not have a secure retirement. Indeed, they will not have the funds when they go to retire to even minimally get by.

As a small business owner for the last 15 years, when I think of what truly changed my life, it was my faith, a strong family, my mom did a really, really good job of encouraging me in very clear and discernible ways.