Well, today people have to be self-reliant if they want a secure retirement income.

Even some of the greatest technology-led revolutions, or allegedly technology-led, really were only made possible because of trends already present.

We're still in the first minutes of the first day of the Internet revolution.

Today more people believe in UFOs than believe that Social Security will take care of their retirement.

People don't place their trust in government or company pension plans; they have to be self-reliant.

Technology is similarly just a catalyst at times for fundamental forces already present.

Mutual funds were created to make investing easy, so consumers wouldn't have to be burdened with picking individual stocks.