There are a host of changes facing us– health insurance, social security, Medicare, and the aging of our society. We have a choice about how we are going to respond. Some of us will become so involved in the Facebook comments and news stories that agree with our position that we won’t get around to acting on our family’s behalf. It’s easy to do and I fight that temptation myself! The reality is that I (and probably you) have a huge responsibility to the people I serve at home and at work. I can’t afford to fall into this tempting trap. Can you? Stephen Covey reminds us to focus on the things we can control. “Instead of reacting to or worrying about conditions over which they have little or no control, proactive people focus their time and energy on things they can control.” Where politics are concerned, it seems harder for us to do. Things have changed and it’s time to make sure your family is prepared for these changes. Ask yourself if you have financial independence today and tomorrow.