In today's rapidly changing economy, the young and the middle-aged alike are realizing that their dream of "having a job with a company forever" is an illusion. Companies have been downsizing, rightsizing, and capsizing for some time now, and they continue to do so-more now than ever before. Even the federal and state governments are getting into the act with layoffs and attrition of jobs.

In addition to all this uncertainty and mutual lack of loyalty between companies and employees, even the workers who do keep their jobs have no guarantee of promotions due to the shrinking number of management positions. These circumstances aggravate the already tryingly long commutes in rush hour traffic and increasingly typical frustrated boss-spelled backwards, that double S-O-B.

Finally, if all this isn't bad enough, under recent tax laws employees are shafted more than ever with limits and thresholds for their employee deductions and higher social security tax limits. This results is ...