The 4% Rule, otherwise known as the "safe withdrawal rate", is a fantastic concept based on historical data, and provides us a simple guideline for our retirement savings.

Similarly, the financial tracking app, Personal Capital is amazing - from the connectivity and ease of access to the consolidated amount of information and detail provided - and intended to provide us a snapshot of our financial life in order to increase our awareness and sense of security.

However, I found the complete opposite. Even as a financial advisor, with all the knowledge and experience 20 years can provide, I encountered obsession, anxiety, and fear. A purely internal mental and emotional roller coaster can be fabricated from any amount of information, guideline, or goal - if you so allow.