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It's very comfortable now may not be so comfortable later on and that's what I might have to take out you know my mutual funds my only worry is my dad worked for the state of Illinois the state's pretty much insolvent and like even his health care which is through the state of Illinois it could take up to a year for him to get reimbursed for things like that so that is worrisome Music retirement is all some people ever think about especially the 50 million plus Americans set to retire in the next few years they obsess over it like my dad did it's what they work for it's their dreams but those dreams could be shattered you're about to hear real visions founder and CEO Ralph al explore why we're heading into a retirement crisis in America and around the world as many people take on more risk than they understand I was curious to see if anyone was thinking about this so we spoke with people in New York and heard the same story over and over people pushing off retirement people not having enough savings people relying on government pensions here's some of what they said no no way I could have saved enough time I mean I have enough to retiring let's say if I want to go to Wyoming or something like that I saved enough for at least the next 10 years who knows with inflation what will happen but I feel next ten years I'm ok if the United States government goes out of business then my pension won't be there these stories were just a small sample of what we heard and this is not just something that those actively looking for retirement are going to face it's something that's going to have a big impact on my generation as well whether it's figuring out pensions or Social Security or potentially supporting our own parents retirement is part of the promise of life in the developed world and if that promise isn't met it's really going to affect everyone whether you're hoping to retire in five years or 50 Music my name's Ralph Powell I'm the CEO and co-founder of real vision but today I'm talking on behalf of global macro investor my research business I want to talk about what I think is the biggest single theme of our generation and I think it's the most important thing that anybody can understand and it's all about the pension crisis you see demographics is the big story of our time and it's all about the story of the baby boomer generation this was the largest generation of people the world have ever known in the richest countries in across the globe now that generation drove all of the macroeconomic forces that we come to recognize as normal now that was when they first came into the labor force back in the 1970s when there were 20 or so