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THESIS STATEMENT: Many of today’s younger workers ignore messages that saving early will benefit them greatly in the future. Those who do may one day regret their indifference to saving for retirement. Retirement may not be in the immediate reality for our Generation “X”, but it is a stage in their lives that they must prepare for (Orstrander). I. Health Care Issues a. Managed Care and HMO vs. Cost containment b. Effect in Quality of Life II. The vehicles for Retirement a. Passive Savings b. IRAs c. 401(k)/1165(e) Plans III. The Role of The Stock Market a. Wise Investments b. Risks c. Strategies Life expectancy in the US has increased dramatically since the turn of the last century. About the only thing more dramatic in increase over the same 100 years is the cost of living. That cost will continue to rise of course, but no one knows where to expect health care to go. The current pattern of managed care and health maintenance organizations came about because of spiraling costs that threatened to surpass the national debt if not checked in some way. Costs are rising much more slowly now, but they are still rising. One of the benefits of the type of health care we have in the US is that people a