The 800 lb. gorilla at the table is the tsunami of baby boomers and the strain they will place on the social security and medicare programs. What's the number? 10,000 a day will turn 65 every day for the next 10 years? It's something like that. Class warfare? Nah, generational warfare looms.

I read something over the weekend: 42% of Americans die with $10,000 or less in net worth. That's astounding.