Charles D. Epstein, The 401k Coach®, CLU, ChFC, AIF® has over 32 years of professional experience in the financial services industry. Charlie is author of the book, Paychecks for Life, published in 2012, the book has sold over 5,000 copies in its first year. Paychecks for Life teaches nine principles to American workers on how to maximize the 401(k) mechanism and adequately save for retirement with a practical and systematic approach; A Desirement Mortgage - See more at: http://www.paychecksforlife.org/about.html#sthash.uku4EonM.dpuf