If you have been watching the news or  walking the streets you’ve probably realized that America isn’t really financially sound. With all the hems and haws about how to fix these financial problems, the root is overlooked. How does one get into financial problems? Let’s examine the typical American. The typical American probably rents, wishes more for their general lifestyle, has too many dependents, over-consumes and doesn’t have a significant safety net. One would think that we would have a more “enlightened” grasp on how to prepare for the future. Traditional American culture is almost more extinct than that invisible nest egg. In 2012, the typical American is either backstroking in debt and/or just struggling to stay afloat.

Should heads shake at the Baby Boomer generation for their lack of traditional accommodation? Society has fallen off the radar when it comes to general values and appropriate consequence. Each generation seems to lose touch with what it actually means to be financially responsible. The ever expanding debt balloons in American households is astounding and a direct result due to piss poor financial planning education! Society is more worried about keeping the latest technical gadgets in your hands vs. making sure that when your 65 you still don’t have to work.

Financial education is the only way to combat our glutenous culture. Although teaching youth the concept behind economics is beneficial, let’s try a different approach. In addition to telling me, how people are going to take my money, how about you teach me how to keep my own? Food for thought, I guess. If you want to eat a chicken, you chop its head off right? Well, if you want the typical American to halt this downward spiral, disengage the temptation. Teaching individuals what it means really means to earn money, save, and make responsible decisions.

Life expenses can be unpredictable and even the best financial planners may run into issues along the way. Preparedness is often overlooked as the key to remain out of financial ruin. However, many people when they have reached the retirement age have yet to retire because it is not feasible. The main contributor is poor planning or lack of the correct planning. Rebuilding a stability among Americans is dependent on the redirection of values to catch up with the culture.