The place to begin, as I often say, is where we are. It’s fun to imagine the future, and we need to do that, but that imagining frequently fails to become actionable unless we start with and remain candid and well informed about where we really are today. It’s too easy to get lost in the joys of possibilities and frequently too painful to look in the mirror and acknowledge where we are. Where are we?

We’re generally over age 50 and have some growing level of awareness that we’re likely to have a MUCH longer active future in front of us than our grandparents did. If you’re age 50 now, that means you could live, have to pay for, and want to find engagement and meaning for another 50 years. Not everyone will live that long, of course, ...

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