Do you remember how old you were when you really began to appreciate the value of money?  A new survey finds the average American experiences a “financial awakening” around the age of 33.  So, I’m wondering if there might be a second financial awakening.  Is there a general age at which you see people start to appreciate the complexities of planning for retirement? Is it a good idea to set a solid retirement age?  Or should you be more flexible as your nest egg grows?

Actor/Comedian Kevin Hart says he definitely has a date in mind.  Here’s what he recently told Bryan Cranston on his Peacock show “Hart to Heart.” What do you tell your clients when it comes to setting their own “end” date?  What are the factors you walk them through?