We all work for ourselves in one way or another. Even as an employee, you are selling services to your employer - your biggest client at this time. Gone are the days where you go to school, get a job with a corporation and stay there for your entire career until retirement age. These days, the markets are continually evolving where people and professions are becoming redundant all the time. Your ability to earn, regardless of market conditions is what's going to keep you in the game. Earning ability is a direct result of learning ability. Those who continue to learn while they are currently comfortable are preparing themselves for the future. Those who learn only when they have to because of a change in circumstances will always be a step behind.