A small point that might interest you:

With the current financial debt cycle of most Americans (and I believe, Australians), by the age of 65, 95% of them will be broke, disabled, or dead.

> Something to consider:

> 1) Lots of baby boomers have not
> done responsible financial planning and
> are now about to enter retirement; one
> statement I hear from my co-workers(90%
> boomers around the age of 48-50 ): "I'd
> like to retire by 55"...
> most are people who have not saved very
> much: go figure...
> ( Seminars for this age group might prove
> lucrative)