Many leading investment professionals believe that the strategies and methods used to build wealth will not work in the coming decades as the socio-economic and political climate of the global economy in general has changed drastically. Traditional wealth-building techniques such as real estate and standard stock and bond investments may not now work effectively for retirement saving and tax-reduction purposes. Cutting-edge investment planners are now concentrating on new strategies that individual investors can implement in preparation for the coming economic and political changes. This work explains how the economy and political landscape is changing and how these changes may affect individuals saving for retirement, college tuition and those investing to reduce tax exposure. It presents 10 easy-to-follow steps for outlining an investment and savings plan for anyone interested in saving with discretionary income.