If you are like most people you are at one point or another in living the 40x40x40 plan. If you have never heard of this plan before, don't feel bad. This way of life is so deeply ingrained in western world living that we are living it without ever giving it a second thought. What exactly is the 40x40x40 plan.

Most people put it this way. You work 40 hours a week-For 40 years-To receive a 40% a pay reduction (retirement).

In today"s economy, the transition is on. If you are a American worker, and you haven't already been told to go home or work harder for less pay, your day is probably coming. I know you don't think so, I didn't either. I was trying to gauge things by how well the company seemed to be doing on the surface; not knowing all the time that the true agenda was being formed by numbers that almost no employees ever sees.