About 95 percent of workers in industrialized countries are employees, make less than $40,000 per year, and save about $2,000 per year. At first glance, these figures may look pretty impressive, especially to people who make less than $40,000. But the truth is, 95 percent of the people in this world aren't getting ahead they're just getting by.<br /><br />Just look at the financial condition of the
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