Hi, this is Ray Noftsinger and this module starts out with step one anchor your financial position. The first thing that I would like to do is explain exactly why it's so important for you to take a new success path. If you take a look at this chart, you will see that even as recently as 5 to 10 years ago the middle class was by far the largest percentage of the families in the United States of America. It was very easy to support the lower-class because there was more of us around in the middle class to provide that level of support.

If you look at the next chart however, today the middle class is pretty much comes to about half and the other half makes up the upper-class and lower-class. The upper classes got slightly larger but the lower-class has grown by far. The problem is that with the new rules and the way things are coming to a head in the financial markets, this third graph is where we are rapidly moving. In this third graph you will see that the chart is completely flipped. The middle class is actually the smallest piece of the graph to support the lower-class. The lower-class has just exploded in size.

The purpose of the site is to try to teach you the basics of how to set up a path for your family so that you can stay in the middle class and hopefully actually move into the upper-class. However, there's a very important quote that you need to keep in mind from Albert Einstein. “The definition of insanity is doing the same thing over and over again and expecting different results.” So, we can't be doing the same things over and over again and expect different results. We can’t just continue to run up credit card debt and get a home-equity loan to drop the balances down; then run up the credit card debt and get another equity loan. That just doesn’t work anymore in today’s economy. So, let’s get right in the next module.