The rules for planning a financially secure future are changing. In Independently Wealthy, Robert Goodman, Ph.D., one of the mutual fund industry's ... Show synopsis The rules for planning a financially secure future are changing. In Independently Wealthy, Robert Goodman, Ph.D., one of the mutual fund industry's foremost economic commentators, asserts that a new economic era is upon us and the national debate on the sweeping changes it will bring has already begun. As this transformation takes root within the tax system and seriously scales back federal retirement income and health-care programs, Uncle Sam will cease to be the major provider, forcing Americans to find alternative ways to provide their own financial security. Unless you take the right steps today, Putnam Investments' senior economic advisor tells his audiences all over the country, you may face a bleak financial future. Now, in Independently Wealthy, Dr. Goodman has put his compelling message into print. In the same down-to-earth, no-nonsense style he uses in person, he tells you why you must take control of your own financial future: no one else is going to do it for you. Rather than viewing these trends darkly, Dr. Goodman sees them as opportunities. The good news, he says, is that while the government will end or sharply reduce current programs, employers are increasingly shifting from defined-benefit pension plans to such programs as 401(k) and profit-sharing plans that allow employees to make their own decisions about how much to invest and where to invest it. This will give you control over your own financial destiny.