This book is written for the American worker to read. They are the ones with jobs in factories on the line, middle management positions working in cubicles and laborers of all kinds. They are the ones who spend their whole life trying to support their families and hope to be able to retire someday. This book outlines the different types of pension systems to understand life after retirement. It looks at Social Security, defined benefit retirement plans and contribution retirement plans (401K). It also explains the financial market as it relates to contribution plans. Welfare is reviewed as the alternative to running out of money after retirement. This book looks at the injustice of today's system which takes advantage of workers just to provide greater wealth to companies. Solutions are presented in the last chapter that can work if given a chance by the powers in control of government. Hitting the wall is what happens when you run out of money in retirement and you haven't died yet.