We were right...so what! There are three kinds of people in the world: those who don't know and don't know they don't know; those who don't know and do know they don't know; and those who know and know how much they still don't know.” 1 in 5 Americans say they will never be able to retire. Financial Independence Top 20. Higher for longer? BS Mission statements. CNBC’s list of “America’s Top States for Business” is a fraud. Money is a tool, not a cure-all.