I just read the first installment of the Institute for The Future's report entitled The Intuit Future of Small Business Report. The main theme of the report was that we are in the midst of an economic revolution that started in the 1980's when 80% of American workers were at companies with greater than 1000 employees to today where 40% of American workers are at companies with greater than 1000 employees to some percentage far less than that 10 years from now. I happen to wholeheartedly agree with the Institute's thesis. Prior to the 1980's, most people worked for a company for life and received retirement checks from their employer in retirement. From the 1980's to today, most people work for a company for a "few years" and roll their 401k plans over. I suspect by 2017, most people will become more like free agent contractors who more often than not have a "client" than an "employer" and need to worry about their own retirement.