The future prospects for my wife were virtually nonexistent. At 40 years old, one is considered too old to work. One is either overqualified or not qualified enough. As a result, my wife was very dissatisfied. My retirement provision in Germany is on shaky ground due to out-of-touch politicians. I can complain, grumble, and criticize, but I cannot change the people or the system. I can only change something for myself and for my family, and that is what I have tried to do. Whether anything has changed can be discovered in this book.