My parents are last of the silent generation (born in 1943 and 1944). They’re spending their money on health care and insurance costs.

My mom has to pay for a medicine that is not approved by insurance = $24,000 a year; her insurance due to a series of fender benders in the last few years will go to $2,000 a month on a 2013 KIA! in May. Home health care is outrageous, good luck getting anyone to come and help in metro Atlanta for less than $50 to $80 an hour.

There will be NO boomer funds for the younger gen to gorge on in about 10 years . . .

So, I have a client who has owned a small furniture and bed retailer on the poor side of a Southern college town. For fifteen years he has averaged the following GROSS sales cycle:

$40,000 a month January through May;

$20,000 a month June-August;

$40,000 a month Sept - Oct; and,

$60,000 a month Nov. - Dec.

This year he was high $30k low $40 k till May, below $15k in the summer, and . . .

$8,000 in gross sales in September

$6,000 in gross sales in October.

He is freaking out as he borrowed $50k to expand inventory in the Spring for better deals and can’t get rid of it, with the financing due early next year.