Retirement comes for all of us. There is no way to keep working our entire lives because our bodies simply won't let us.

Thus, we must make a concerted effort to create an income stream during our working years. Most people choose to depend on Social Security through retirement.

I have seen firsthand, through senior roommates, the true poverty of social security. If you are reading this now, you owe it to yourself to do better.

Starting a dividend portfolio now can change your life today and tomorrow. Don't become a ward of the government; learn dividends and free yourself for the rest of your life.