The document discusses why most Americans die broke and proposes the American Consumers Bureau (ACB) as a solution. ACB would provide members with discounts on various products and services through approved sponsors to help them purchase items at better prices. It also outlines employment opportunities through affiliates of ACB. The annual membership fee is $95 but can be made free through recruitment bonuses of $25 per new member. The goal of ACB is to help members achieve financial independence before retirement rather than dying with little money.