Do you remember when we were kids and we played musical chairs? A very simple game ... you go around in circles while the music is playing. Then, when the music stopped, you scrambled for a chair. The one left standing lost. Though a simple game for children, most Americans play it with their money 24/7 their entire lives. Instead of building a plan, creating a financial blueprint for oneís present and future, they, like children playing musical chairs, go round and round ó dealing with the present ó never realizing the music will eventually cease ... kidís college, retirement, paying off the mortgage, having to buy a car at an unexpected time. The needs and the list go on and on, around and around, with little planning in mind. Then reality sinks in...