Most people plan their retirement by looking forward, trying to envision their perfect future. “What do I want to do? Where do you want to live?” Unfortunately, most people have no idea what they want. Ask someone to describe their ideal retirement and you’ll get vague answers. “Travel more.” “Spend time with family.” These sound nice, but they’re not specific enough for planning. Here’s a different approach that gets you better answers much faster: start with what you don’

"In any given moment, we are either stepping forward into growth or stepping back into safety." – Abraham Maslow I’m not one to drink and...

Frugality can be taken too far. There are people who use a stick to get the last drop out of a tube of toothpaste or limit the number of blocks of toilet paper each family member may use. The opposite end of this spectrum are people who are either so egocentric or downright insecure that they cannot conceive of the possibility of having anything but the best. However, somewhere in between there is a group of people who enjoy finding creative ways of spending as little as poss