Working Americans generally understand that the federal government's Medicare program will largely cover their health care needs after they become eligible to enroll at age 65. Personal finance bestselling author and radio host Dave Ramsey bluntly explains a few specifics on the Medicare program in 2025 about which current and future enrollees would be wise to pay attention.

Ramsey's belief is that in today's world, there are endless ways to make money, and unemployment should not be a long-term situation for most people. "To be unemployed in America today is crazy," he said. "I mean, you can just wake up this morning and go, ‘I have an idea,' and by nightfall, it's already a digital product."

Personal finance author and radio host Dave Ramsey, however, strongly urges people to look beyond their workplace retirement plans for investment tools that can provide them with a significant share of their income while they are retired.