Prolog

I am happy we’re doing this now. As a fledgling unprofessional financial advisor, I would not recommend this to anyone in my situation because working longer and saving more would have been the smarter thing to do. On the other hand, I have found that as we grow older, time becomes more precious that money, and at 63, how many good healthy years are there left? In my twilight years, I don’t want to say, knowing that the clock cannot be turned back, “I had the chance to do it then, but I didn’t”.