About a year and half ago, after what seemed like a lifetime of living paycheck-to-paycheck (paying off student loans and other debts) my wife and I were sitting in the office of a financial advisor with money to invest. After hearing the options to best set us up for retirement, he asked, What are your goals?
I had a lot of trouble answering this, I was in my early thirties, had a successful career, was married, was a father, and was financially stable. Had I already achieved... more