
In our lives, change is the only constant. Personal situations like marriage, going to school, having children, unexpected emergencies, job loss or retirement happen.

How will you live when you’re no longer working? Will you travel to places you’ve always dreamed of? Spend long afternoons building Lego castles with your grandchildren? Perfect your backswing? Or worry about every dollar you spend?

Do you sock away every dollar you can spare into savings, and no matter how much you have, worry you should have saved more? Or does an unexpected windfall burn a hole in your pocket, so you get a raise and immediately start thinking about what you can buy next? Do you enjoy the thrill of making a killing in the stock market, or does every little dip in the averages send you into a tailspin?