You're most probably older than you thought you would be at this point in your life.

Let's be completely honest.

There's probably at least a 95% chance that you're not where you thought you'd be at this point.

Am I right?

Can you honestly say that you are?

10 years ago my money manager met me for our quarterly meeting and stated "James, you did it! You can retire today and live comfortably for the rest of your life."