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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.

This article considers the different kinds of learning that are appropriate for the rapidly expanding range of writing that constitutes an everyday part of most people's working lives. It discusses the importance and demands of everyday writing in work, and the role of formal education in preparing people for the localised learning about writing that is necessary upon entering work. It considers the issue of the transfer of knowledge, and argues that both metacognitive and conceptual understandings about writing are crucial elements in enabling people to transfer and adapt foundation literacy skills to the workplace.