Performing Financial Planning is critical to the success of any
organization. It provides the Business Plan with rigor, by confirming
that the objectives set are achievable from a financial point of view.
It also helps the CEO to set financial targets for the organization,
and reward staff for meeting objectives within the budget set.

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I think the problem is that most people like the author aren't investors and think they can drop some money in some stocks and come back 6 years (really, are you serious?) later and it will have grown enormously. You have to take some personal responsibility for your finances and keep on top of your investments. An understanding of the market doesn't hurt either.

Actually those investments provide the capital corporations need to create. So there is a terrific creation of value simply by investing when it is compared to having that money simply sit under your mattress neither doing anything nor helping others do something. Investors provide an incredibly valuable service to the economy even if they aren't toiling in a field or factory.

Too bad a lot of this was on borderline impractility.

Robert Prechter predicted the crisis with all it's components very well, starting with his 2002 book Conquer the Crash and described why and how it would happen. Read more: http://www.tradingstocks.net/html/financial_crisis.html Deflation was predicted and it is happening and there is more to happen, after the happy recession-is-over rally is done, a major crash is in the books. Also watch Prechter's videos and see how he correctly guided investors to stay in US dollar as he predicted USD would go up due to deleveraging since most of the debt is denominated in USD all around the world. Now he is waiting to signal to move out of US dollar if the conditions warrant it. I would suggest keep an eye on his opinion. It is well worth the time you invest. My 401k is safed and even caught the latest rally thanks to Prechter :-)

Governments can also fail (and are more likely to fail if they take on the responsibilities the author advocates). Indeed, it would be reckless for the government to do anything more for people in financial difficulty until we can control our borders -- the world contains far more poor people than our government could ever hope to support. There is nothing that can be done to make year-long unemployment anything but a personal and financial disaster. Our best defense is to avoid debt and cultivate our relationships with relatives and fellow church members. As for retirement security, that comes with children. If a population suddenly ceases to procreate, there is no level of savings that will give the last generation a comfortable retirement. All the gold in the world will not suffice if all the storekeepers are retired!