In this episode, our conversation focuses on the idea that someone, somewhere is going to ride in and save us from financial failure. 

Americans have become champion consumers, yet we need to be champion savers. We need to shake off the feelings of malaise and get focused on our long-term financial goals. 

While this doesn't mean that we cannot "live" some today, it does mean that many of us need to get re-oriented towards a retirement future that is going to look quite different than retirement of today.