Concept and exercises which detail the relationship between Employment Arena and likely required financial battery (savings) composition between the "you" self-saving terminal and the "them" outside pension terminal. Includes differing likely required savings rate based on Employment Arena as well as breakdown of 3 main "you" terminal savings cells - protection (liquid, secure), flexibility (liquid, growth ability), and growth (growth ability, tax-advantaged) - and how to incorporate each into financial battery construction.