Area #1: You are probably somewhat concerned that the so called American Dream is Dead!  My response, "Yes and No>"I don't think that the American Dream is necessary dead but things have definately changed.  I have owned my home for many years BUT in truth I have never owned it.  I have always controlled it BUT owned it, not yet.  And the drop dead truth of the matter is this:  No one ever truly owns a home in America.  You may have paid for it in full (about three times more than it  originally costed), but what about the annual taxes!  Don't pay it for a few years or less and you will see what  mean.  

Area #2: Your retirement may be from a defined Benefit Retirement program but chances are your children and grandchildren will never see this kind of retirement.  

Area #3:  The old days, of here is your bill,  you can pay it on your way out, without checking the numbers, their gone!