The text provides a good base for your financial future but is only a start. However, the financial world is changing and government rules and regulations are changing. We will have a new Executive Administration and Congress in a month so stay alert. Health Care will change, taxes will change, salary reduction plans will change...... so you must stay current with the politics, social issues and finance. Discussion:Unless you develop plans and take steps during your lifetime to accumulate, preserve and distribute your wealth upon your death, chances are that your heirs and beneficiaries will receive only a part of your estate. It would be a shame if your lack of action reduced what your dependents are due. It would also be a burden to your loved ones if you died early and they had unexpected expenses and responsibilities. What do you believe your responsibilities should be now to meet your goals.? Post your comments and be specific.