A whole generation of Americans will retire in poverty instead of prosperity, because they simply are not preparing for retirement now.

Cook holds a Bachelor of Arts degree in Economics and Mathematics from the University of Southern California and a Masters in Business Administration from Harvard Business School where he serves on the dean's advisory board. Cook and Ostby both started their careers in brand management. Cook started his career at Procter & Gamble where he learned about product development market research and marketing.

Cook started his career at Procter & Gamble where he learned about product development market research and marketing. Cook also serves on the boards of directors of eBay Inc. He soon began using the insights he was learning there to look for an idea for a company of his own.