We live in turbulent times with a world slowly emerging from the worst economic decline in 80 years. It will take years to recover the damage. It is also a time when a new generation is emerging with a new outlook on life. The shadows of 1994 and the impact of the internet changed all and that current ways of doing things simply will not work in the future. This article discusses it and provides guidelines for coping and using it to create wealth in an uncertain and difficult future. As our personalities differ, our appetite for risk accordingly,.