“Ninety-five percent of Americans struggle financially. They eke out a living. They live from one paycheck to the next. They are barely getting by. They are hanging on by a thread. And the saddest thing is that this reality perpetuates itself from one generation to the next. It’s what I call the generational cycle of financial failure and I’m out to change that. This disenfranchised group, which makes up most of America, has never been taught by their parents or their schools how to be financially successful in life.” By Thomas C. Corley, author Rich Habits ? The Daily Success Habits of Wealthy Individuals WWW.RICHHABITS.NETAccording to the Internal Revenue Service, only 5% of all individuals who file an income tax return make $150,000 or more per year. That works out to approximately 7.5 million individual tax filers. This 5% group is responsible for paying the majority of proactol discount the personal income tax the IRS receives each year. This is also the group that has adequate retirement savings, six months worth of monthly income savings for emergencies, little to no debt, college costs funded for their children and/or grandchildren, take nice vacations, have significant home equity in their modest to above average homes, good health insurance coverage and adequate life insurance in the event of death.It is this 5% that many in America call the rich.To most Americans, rich people keep getting richer. That is a factual truth.But put your petty emotions aside for a moment (jealousy/envy) and ask yourself this question: What is it that these rich families are doing that sets them apart from the rest of America? There is a reason why wealthy families bring up wealthy children and is the reason why this cycle of wealth continues from one generation to the next.