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21st Century America…Enslaved and Dependent!
21st Century America...Enslaved and Dependent!
Are most Americans enslaved and dependent? Was the serf of the Feudal Lord enslaved? Was the slave of the U.S. Southern Plantation owner dependent? Does it really make any difference whether you’re enslaved and dependent on a Feudal Lord, a Southern Plantation owner or the United States of America’s Government?

“You are certainly right about the Great Depression being one of the seminal events of American history and that we are still coping with its aftermath.”

Steve Forbes
President & CEO
Editor-in-Chief
Forbes Magazine


Many independent studies as well as government statistics indicate the vast majority, perhaps over 90% of American lifestyles depend on Social Security or Medicare.

No one believed Joseph Schumpeter, economist and author of Capitalism, Socialism and Democracy, who in the 1940’s predicted the fall of Communism in Eastern Europe by 1980, yet he was only off by 10 years. He also predicted that workers in the capitalist society would vote in Communism.

A look around shows you the failure of many previous, well-intended government programs, includiing Fannie Mae and Freddie Mac… and their devastating results.


1. Housing projects
2. Slum neighborhoods
3. Failed public schools

According to the Social Security Administration 20% of older Americans have Social Security as their only source of income.

1. For one third Social Security represents over 90% of their income
2. For 65% of older Americans Social Security makes up between 50% and 89% of their total income
3. Most of us are “dependent” on the Federal government when we retire

A look back at our own national past exemplifies individuals and local communities taking care of themselves. We had no income tax untill 1913 and neighbors helped their neighbors.

As a result of this book and audio book you can enjoy all of the following, and even more.

1. The joy of a long, comfortable, and totally worry-free retirement, with no compromise in lifestyle, and no real concern about ever running out of money.
2. The ability to intervene meaningfully in the financial lives of your children during your lifetime, and to leave a legacy.
3. The ability to fund, in whole or large part, the education of your grandchildren.
4. The capability to provide quality care for your parents in their later years.
5. The ability to leave a meaningful legacy to a much-loved school, church, charity or other institution.

Species eat their young in nature. Will we, like a few species in nature, eventually consume our own children financially? Will our dependency on government benefits coupled with increased life expectancy and inflation force our children to pay such a large part of their income to take care of retirees that the financial burden will literally eat them alive?

What lies in the future for 21st Century America? Has the great “capitalistic experiment” failed or is it about go through a “renaissance”? Will government, as Alexis deTocqueville pointed out , “which produces nothing and extracts all its revenue from its citizens,” continue to grow and be required to fund even more social programs? Or will we, the citizens, embrace personal responsibility and take care of ourselves, our families and our communities?

You are only minutes away from answering this critical question. This book will assist you in making the proper assessments to answer all the above questions and implement your own processes for meeting the challenge of freeing yourself and family from the assistance of unreliable government programs and recapturing your personal financial freedom.

Sir John Templeton said: “It has taken 1,000 years for the standard of living to double in the most advanced countries, yet it may double for the world as a whole in the next 20 years. ” Will the next 20 years be the best the world has ever seen? Or, will it be as the noted economist Joseph Schumpeter predicted the “fall of capitalism and the return to socialism?” Schumpeter (see introduction) accurately predicted the fall of the Berlin Wall decades before it happened.

As the Great Depression of the 20th Century was the event that broke the spirit of the American people, the terrorist attacks of September 11th and the financial crisis of 2008 will prove to be the events of 21st Century America that restored that spirit. In the words of Todd Beamer on United flight 93…“Lets roll!”

Most importantly, don’t wait; this critically important information can be on its way to you in just a few minutes. Order this important book right now.


“Joe Murtagh is right on the mark with his call to challenge Americans to take initiative and create opportunities for their financial success. His teachings offer sound and time-tested financial planning principles as catalysts to positive action.”
Marvin W. Tuttle, Jr., CAE Executive Director/CEO Financial Planning Association

“21st Century America…Enslaved & Dependent by Joe Murtagh is an excellent study on the importance of people becoming self reliant and not dependent on government assistance and subsidies. His book stresses building good financial habits such as saving first and investing for the long term. This book is an excellent read for the financial services representative and would be a good tool for clients to help teach them the skill of self reliance.”
Marvin H. Feldman, CLU, ChFC, RFC Feldman Financial Group Past President of The Million Dollar Round Table


Price: $19.95