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1.5 HRM
53. Retirement Planning
Last Will and Testament...
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15.53. Retirement Planning
1. To understand that retirement is a just concept - it is not real.
2. To accept that retirement was invented by industrialists to replace old and worn out people with new and fresh people.
3. To note the evolution of the modern human was based on family groups without any concept of retirement - people simply looked after one another.
4. To accept humans evolved with slavery where poor people work for rich people - rich people and slaves have existed for many thousands of years in all parts of the world.
5. To understand that the modern slave who works to make a rich person richer is given a dream called "retirement" when they may one day be set free and no longer be a slave.
6. To accept that a slave who does 40 years work to make rich people richer and gives up some of their hard earned income as a pension scheme, can retire to live on the pension scheme that they have contributed to.

2. Classes
1. For the benefit of the reader, three classes are identified.
2. Rich people are a class that has always existed in history - rich people may be called employers.   Rich people work for themselves as owners of their own companies.
3. Slaves who work for rich people are a class that has always existed - slaves may be called employees.   Slaves work for rich people to make rich people richer.
4. Underclass of people who are not yet slaves who exist on the charity of others.

3. Evolution
1. To note that evolution demonstrates that those rich people with a very large number of slaves got much richer than those with only a few slaves.
2. To note that the country with the most slaves gets richer than the country with less slaves.
3. To note that the country with more rich people gets richer than the country with less rich people.
4. To remember that an "empire" is just a collection of rich people with a massive number of slaves - size matters.
5. Middle class slaves are content to make rich people richer by being given just enough for food, shelter and entertainment.
6. Rich people figured out that if they keep some slaves as sports people they will entertain the other slaves - football was born to keep slave content.

4. The Dream
1. Industrialists invested a dream called "retirement" to keep slaves content.
2. The dream is that if you keep on being a slave for 40 years, you can retire and become a rich person who is no longer a slave.
3. The dream has been refined to make the slave pay into a pension scheme so they can can live as a rich person on the money they saved as a slave.
4. The clever bit is that the rich people control the slaves pension scheme and can use that money to make them richer.
5. The 30% of people who never get to retirement age, loose their pension savings to the rich people.
6. Rich people can specualate with slaves pension saving and in some cases the slaves loose most of their pension before retirement age.
7. Slaves who hate their job can be kept content with the dream of retirement.

5. Happiness
1. Happiness is achieved by giving slaves enough income to cover food, shelter and entertainment.
2. As Athens and Rome discovered, by using some slaves as sports people can keep a large number of other slaves entertained, content and happy.
3. Some highly skilled slaves can become rich, free and begin to own other slaves until their skill runs out.
4. Happiness for rich people is much more difficult because it comes from charitable works and helping slaves.   Self satisfaction comes from choosing who to help and who to overlook.   It can feel good to give back to a few slaves what has been earned by a large number of other slaves.
5. Rich people get to play a role of the gods to choose what charitable works they wish to be associated with.   A rich person with a clothing empire may choose to give away one percent of their clothing to poor slaves as a tax free advertising expense.
6. In some cases, rich people are not able to find happiness because their pursuit of riches overwhelms their ability to help others.   A large number of song writers and artists become detached from reality and become depressed with drugs because they cannot relate to slaves.

6. Action Plan
1. Where a person is content working as a slave to make rich people richer then no action is needed.
2. To remember that a rich person only employs that slave while that slave is able to make more money than they are paid.   When the revenue generated by a slave drops below cost, then the slave becomes redundant - a slave who cannot earn more than their cost is worthless.
3. Retirement means switching from the slave class to the rich class.
4. Slaves that want to retire should do so in the next year - not wait for some arbitary age constraint.
5. To be a rich person has a requirement to own your own company and employ some slaves who can make you rich.   It costs 13 pounds per year to own your own company and that is the very best investment you will ever make.
6. Whatever skill and experience the slave has to make money for a rich person, they can use that same skill to make money for themselves.   The difference is that retirement begins by being free and rich enough to make your own decisions - good or bad.   As a company owner, you have earned the right to make any decision and you cannot be fired - you stay a rich person.   As a company owner, you have earned the right to do whatever you choose to do when every you choose to do it - freedom.
7. As a company owner. you will never need to retire - you can continue to earn a good living for the rest of your life.   As a company owner, you have earned the right to do as much or as little as you choose - doing the things you enjoy doing.

7. Government
1. A type of rich person is a local or national government that acts as a rich person, but is controlled by a collection of slaves.   The insect world has many examples of government by the workers for the benefit of the workers - pure communism.
2. Elected and unelected officials are slaves acting as a rich person for a short period of time.   Officials have a little freedom, but are not rich people in terms of real freedom to do what they choose when they choose.   Every official is a slave who is eventually fired and normally in disgrace.
3. A wide spectrum of slave classes exist and slaves can control other slaves, but they all suffer the same dream of "retirement" from a job they want to do want to retire from.   On the other hand, the rich person has retired into a world where they do what they choose to do when they choose to do it because they have slaves to do what they choose not to do.

8. Corporations
1. Rich people what invested the public corporation where they can invest as shareholders without being a Director.   A shareholder cannot be fired, but a Director can be fired. A shareholder earns a dividend that is taxed a lot less than a salary.
2. Rich people have learned that to own one company is a good way to have income for life, but to own shares in many companies is less risk.   Rich people are free to own many companies, especially competitors in the same market.   The slave customer imagines they have choice, but in fact its the same shareholders who earn the profits no matter which company the customer chooses.
3. Rich people get richer by buying more companies - larger companies have less overhead cost and earn more revenue - rich people get richer.   Every acquisition and merger means that some slaves are redundant so the rich people can earn more with less costs.
4. Most government projects fail because they are directed by slaves who have a vested interest to make the project take as long as possible before they are eventually fired.   Even a subcontracted Government project is bound to fail because the government decision makers are slaves who have no skills and no interest to direct such a project.
5. It is likely that small companies exist for the benefit of their founders - small companies have a single purpose.
6. It is likely that large companies exist for the benefit of their shareholders - large companies have many directions.
7. It can be shown that a large number of small companies enjoy more effective benefits and stability than a small number of large companies.

9. Facts
1. Slaves are people who work for rich people for as long as they keep on making the rich people richer.   Slaves will be fired when they cannot make rich people richer - slaves get very little freedom.
2. Rich people own their own company to make themselves rich and do whatever they choose, whenever they choose.   Rich people are free and cannot be fired - freedom is a richness - freedom is the ability to get slaves to do what you choose not to do.

Document Control:
1. Document Title: Retirement Planning.
2. Reference: 161553.
3. Keywords: ITIL, Retirement Planning.
4. Description: Retirement Planning.
5. Privacy: Public education service as a benefit to humanity.
6. Issued: 11 Dec 2016.
7. Edition: 1.2.