To look at credit indicators, I decided to focus on business owners in order to examine the impact of changes in wealth on access to business as well as consumer credit. Business owners The preretirement and business owner groups I have chosen are not mutually exclusive. Indeed, there is quite a bit of overlap.
More than 30 percent of small business owners in 2007 were part of the preretirement group, and they tended to be among the wealthier members of that group. In fact, the business owner group held nearly half of all household wealth in 2007.