Called the "retirement crisis," the assumption today is that Americans are in deeper financial turmoil than ever. 

It was 2018 when we informed readers that more than 100 million Americans of working age did not have any retirement account assets in an employer-sponsored 401(k) type plan, individual account, or pension.

This means that the American dream of a modest retirement after decades of work is now a middle-class nightmare. In a world where the virus-pandemic is resulting in a "great reset," small and medium-sized enterprises are being wiped out in droves as permanent job loss soars into the millions.