1.  People's homes aren't upside down. Their lives and their finances are.

2.  Millions of baby boomers planned their whole lives to retire and now can't afford to.

3.  They need jobs and the jobs are disappearing.

4.   The financial investment plans sold by the people who brought you the sub-prime movie, don't work. Except for the      ovie-makers. The ones, that is, who don't wind up behind bars.

5.  Social Security is an endangered species.

6.  The key to getting rich is making money while you sleep. Hardly anyone does.

7.  We are a nation of show offs. It's time to give up keeping up with the Joneses and try keeping up with the Buffetts (Warren lives in a home he paid $ 31,000 for.)

8. We live ten degrees or more above our means when the trick is to live one degree below.

9. We work harder and harder and enjoy what we have less.