97% of the world’s population lives in countries where the fertility rate is dropping. Not that long ago the world was shocked with the potential financial bankruptcy in Greece. The country had promised their citizens a lifetime pension starting at age 55.

The decreasing fertility rate left an insufficient number of young people to support the large number of retirees. This problem has not been solved. Politicians have lessened the pain with loan forgiveness but the problem still exists and is not being solved.

This same problem exists around the Western world. As an example, Japan sold more adult diapers than baby diapers last year. If people look to Governments to solve this problem, it can only result in prohibitive tax rates and economic tragedy.