Wall Street protests –Why this should have happened 10 years ago?

Over the years we have seen our middle class erode and our parents live the dream built off the hard labor and sacrifice our our grandparents. We witnessed and much of us enjoyed the fruits of a generation's labor and sacrifice. The stock market boom build on the ignorance of the working populous that allowed the 401k system to built by lobbyist and "financial Professions". Pension fund managers and states that modeled in 8% consistent returns in perpetuity, not factoring the emergence of a global economy, and the profound change the internet has on the American business practice. For years people screamed for an increase of efficiency which fueled years of stock market booms by playing the game beat the number. Congrats we found it, now its cost effective to outsource, the cost of living in other parts of the word reflect lower standards of living which in turn allows corporations to benefit with low labor cost. This has been going on for 10 years now maybe longer, but with increase internet speeds makes the transition faster which made global local. There is a fundamental shift and is why the system is broken, it was always structured to fail, it just the people who put the system in place did not have the foresight to come up with a solution when when the leverage and credit was exhausted and inflation had taken hold and efficiency has been reached.

With everyday life being as difficult at is become, it is a not a surprise that many of us that do invest and save for retirement, take that uncomfortable walk into the financial advisors office. Many times they are less educated, but they are well equipped with buzz words and paperwork, with the ideas of making money off our hard work, without laying out the risks that we can lose everything if we are not actually watching our money like hawks. Many financial professional are sales men selling a dream. It's an easy sell when we have no real alternative and can't understand the jargon.

The wealthy have private managers, hedge funds, and real qualified people that watch their money because they have inline interests for the larger accounts to remain large. Don't forget the rich have rich friends. The middle class does not have this luxury, to be honest because we don't generate enough commissions to warrant the time. Do you see an issue with this cycle? The financial system is set up from the well off to maintain the capital and increase while the middle working class is given the 401k system as a simple wealth transfer during times of volatility and uncertainty.

That's why it is time that we educate ourselves with financial knowledge; the only way to play within the system is to understand the finance game. You have to look out of yourself. Don't get taking advantage of and break the cycle, understand that investing and the stock market is WORK. Returns are earned not guaranteed. Educate yourself! It is your money after all.

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