With the possibility of a downgrade of the nation's debt and potentially higher interest rates looming, politicians and other government officials are forced to take notice. Bill Valentine is a local financial advisor. He says the wake up call isn't just for government officials who make decisions on government programs. "Some of the financial lessons that were instilled in the depression generation through their experience through experiencing the depression have been lost in translation as they go from generation to generation. So we have a current population of adults who have never really experienced financial strife. And who's parents didn't instill in them at 25 at your first job to start saving in your own accounts and I’m not passing judgment on them; I’m simply saying that by and large we've deferred our saving plans and have really lived a largess lifestyle." Valentine says another piece of the puzzle to be looked at is how the Social Security System was originally set up, with a ratio of about 16 workers to each one person collecting benefits. He says that has changed to a ratio of about 2 to one nowadays and that it needs to be reformed in order to accommodate today's circumstance.