To that point, more and more employees are investing in their futures through 401(k) plans. Employees who participate in these plans assume responsibility for their retirement income by contributing part of their salary and, in many instances, by directing their own investments. Robbins said people need to get a much better understanding of the tax benefits these plans offer them.
Finally, Robbins believes people need to find ways to improve their skill sets to make themselves more marketable.
"No matter what you're doing, you must continue to retool and find some way to improve your skills," he said. "If you keep improving those skill sets in the competitive world we're in, you're going to have an opportunity to earn more and have more [money] for your family."