Even the once simple home mortgage now has so many flavors and styles and variations that it is difficult for people to make a decision.
People don't place their trust in government or company pension plans; they have to be self-reliant.
The current institutionally provided retirement plans will not cover people's needs upon retirement.
Today more people believe in UFOs than believe that Social Security will take care of their retirement.
Well, today people have to be self-reliant if they want a secure retirement income.