It is shocking to see the statistic that almost 2/3 of individuals over the age of 50, still in the working environment, have not thought about their retirement. This failure to plan has lead Americans to financial illiteracy. Almost half of people in the workforce are unaware of pension and retirement funds that they as employees qualify for. The author suggests requiring proper planning aid information upon new employee orientation, educational programs as well as a personal incentive for individuals to think and plan for the future.