Mark Morgan Ford writing on financial freedom

For about 50 years, starting from the mid-1960s, the average hard-working American has been getting poorer.

In real terms his wages have stagnated as prices gradually rose. And the number of jobs has fallen. Here’s a fact you won’t read in The New York Times: According to research from The Rogue Economist, there are 1.2 million fewer people working today than there were 16 years ago.

“There are now 95 million adults in the U.S. without work. More than 110 million get some form of means-tested (that is, help designed for poor people) benefits from the feds.”

The facts for investors are just as bad. In 2008. the U.S.A. had the third of several major market collapses. Almost overnight these same suffering investors were robbed of over ten trillion dollars. Some of that money simply disappeared. Most of it flowed to the brokers and bankers and insurance peddlers on Wall Street.

What about the “recovery” we’ve been reading about? Will that help us?

From The Rogue Economist: Both the feeble “recovery” and the phony bull market (fueled by artificially low rates, stock buybacks, and the hope of fiscal stimulus) are past their sell-by dates…

The bond market – the foundation of America’s capital structure – just saw its biggest sell-off in 26 years…

Debt levels are higher than ever. And the new administration – hoping to add more debt – is walking into a maelstrom of budget chaos, including a $20 trillion federal debt before inauguration day…

So here you are – older, wiser but with way less money in your retirement account than you need.

What can you do about it?

Most people that subscribe to investment letters have only one hope: to find the next Google stock.

But countless studies show that if you try this (searching for “ten- or hundred-baggers”) you will do very poorly in the long run. The average U.S. investor that buys and sells stocks on an individual basis makes less, way less, than the 9% or 10% return that the stock market has given over the past 50 and 100 years.

And even if you could get, say, 10% or 15% on your money… do you know how much you would need to save to be able to retire comfortably?

It would be millions.

If you don’t have millions socked away, don’t despair. I have a realistic solution — a side door to building wealth relatively quickly. It is something I did myself and successfully taught dozens of friends, colleagues, and family members to do.

About five years ago – in preparation for my retirement – I began a major project to gather, curate, edit, and create a virtual university of wealth building, the only one I know of that focuses only on proven strategies that the average American – someone who does not make six figures or have a quarter-million dollars in the bank – can realistically do.

It was, as I said, a major endeavor. Working with a team of nearly a dozen experts, editors, writers, and fact checkers, I developed a unified program for wealth building that includes more than a dozen easy-to-follow, step-by-step strategies for increasing your income and building wealth.

It’s called the Wealth Builders Club and joining it is the single smartest thing you can do right now to achieve your financial goals.

P.S. Discover how you can enjoy a more laidback, authentic, independent way of life in Truth & Plenty. Sign up below to have it delivered – free of charge – to your email inbox.

Image: ©iStock.com/solvod 

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