When I asked her what people who don't havi corner offices will be able to expect in the way of pensioi income, she said with a confident smile: 'The Silver Bullet. " 'What,' I asked, 'is The Silver Bullet?' "She shrugged, 'If baby boomers discover they don'l have enough money to live on when they're older, they can always blow their brains out.' " Karpel goes on to ex- plain the difference between the old Defined Benefit re- tirement plans and the new 401k plans which are riskier. It is not a pretty picture for most people working today. And that is just for retirement. When medical fees and long-term nursing home care are added to the picture, the picture is frightening. In his 1995 book, he indicates that nursing- home fees run from $30,000 to $125,000 per year. He went to a clean no-frills nursing home in his area and found the price to be $88,000 a year in 1995. Already, many hospitals in countries with socialized medicine need to make tough decisions such as "Who will live and who will die?" They make those decisions purely on how much money they have and how old the patients are. If the patient is old, they often will give the medical care to someone younger. The older poor patient gets put to the back of the line. So just as the rich can afford better education, the rich will be able to keep themselves alive, while those who have little wealth will die. So I wonder, are workers looking into the future or just until their next paycheck, never questioning where they are headed? When I speak to adults who want to earn more money, I always recommend the same thing. I suggest taking a often, they're poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know. They focus on per- fecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger. Maybe McDonald's does not make the best hamburger, but they are the best at selling and delivering a basic average burger. Poor dad wanted me to specialize. That was his view on how to be paid more. Even after being told by the gover- nor of Hawaii that he could no longer work in state gov- ernment, my educated dad continued to encourage me to get specialized. Educated dad then took up the cause of the teachers union, campaigning for further protection and benefits for these highly skilled and educated profession- als. We argued often, but I know he never agreed that overspecialization is what caused the need for union pro- tection. He never understood that the more speiiaJlzed_you become, the more you are trapped and dependent on that ~~Rich dad advised that Mike and I "groom" ourselves. Many corporations do the same thing. They find a young bright student out of business school and begin "groom- ing" that person to someday take over the company. So these bright young employees do not specialize in one de- partment; they are moved from department to department to learn all the aspects of business systems.