1. A method for enhancing memory and cognition in an aging adult, utilizing a computing device to provide aural and graphical presentations for training, the aural presentations utilizing computer generated phonemes, the method recording responses from the adult and adapting processing of the computer generated phonemes according to the recorded responses, the method comprising the steps of: providing a plurality of confusable pairs of phonemes for presentation to the aging adult, each of the phonemes having a consonant portion and a vowel portion; providing a plurality of stimulus levels for computer processing of the plurality of confusable pairs of phonemes; selecting a confusable pair of phonemes from the plurality: graphically presenting on the computing device icons for each phoneme from the confusable pair; aurally presenting on the computing device a computer generated one of the phonemes from the confusable pair, the computer generation corresponding to a first one of the plurality of stimulus levels, wherein the computer generated phoneme is acoustically processed; requiring the adult to select one of the icons, corresponding to the aurally presented one of the phonemes; and recording whether the adult correctly selected an icon corresponding to the aurally presented one of the phonemes; repeating said steps of selecting a confusable pair through said step of recording, M times, wherein M is an integer; determining whether the adult correctly responded in at least N % of the presentations, where N is a real number, wherein if the adult correctly responded to at least N % of the presentations: selecting another one of the plurality of stimulus levels to increase the difficulty of discriminating between the presented phonemes; and repeating said steps of selecting a confusable pair through said step of determining; but if the adult did not correctly respond to at least N % of the presentations: selecting another one of the plurality of stimulus levels to decrease the difficulty of discriminating between the presented phonemes; and repeating said steps of selecting a confusable pair through said step of determining.