QUOTE : According to the Social Security Administration, if you take any 100 people at the start of their working careers and follow them for the next 40 years until they reach retirement age, here’s what you’ll find: only one will be wealthy; four will be financially secure; five will continue working, not because they want to but because they have to; 36 will be dead; and 54 will be broke and dependent on friends, family, relatives, and the government to take care of them.