If you don't achieve financial security in next 3 or 4 years, may god help you for nothing will go on forever, the 100-year economic uptrend fueled by continuous emergence of innovative products amid the world's "have nots" is coming to an end. Big cycle enveloping small cycles is the law of the Universe, with mounting global debts, budget deficits, economic and technological saturation and with the world's former "have nots" becoming sellers, vying with the world's biggest economy in a global trade war, another prolonged economic down trend into another global economic great depression is inevitable and with the world's population 3 times that in the last great depression, massive business failure and surging unemployment, aggravated by loss of market shares from the world's counterfeiters may make the last great depression pale in comparison. Remember "The stock market crash of 1922" that triggered the last global economic great depression, the coming crash will make the last crash insignificant, Nature is cyclical, it will repeat itself, be prepared and survive.