Legally speaking, all corporations that offer employees a 401(k), profit sharing or pension plan must also provide them with what is called a Summary Plan Description. Few read it or understand it because it is uninteresting, dry, and usually difficult to comprehend. What my memoir attempts to do is keep you interested in my life story while simply illustrating the wealth building secrets of vesting and forfeitures. Without a complete understanding of these two words you could cost yourself thousands of dollars by switching jobs too soon as my father almost did early in his career.