meaning does not come from what you get, it comes from what you give. Ultimately, what you get will never make you happy long term. But who you becom… - Tony Robbins

There’s no first place or last place here. Life is not a competition. Often people use money and the acquisition of things to measure where they stand: who’s got the nicer house, the fancier car, the summer home in the Hamptons. But the truth is, we can’t predict how long we’ll live or the state of our health as we age. The reality is, it doesn’t matter where we start. It’s how we finish that counts.

Are there any exceptions to the rule? Only two that experts tell me are worth considering in so far as one needs the tax efficiency. Vanguard and TIAA-CREF both offer extremely low-cost variable annuities with a list of low-cost index funds to choose from. They do not charge commissions, so there are no surrender charges if you want to cash in.

while most people have to establish competence before they feel confident, I decide to feel confident, and that provides the sense of certainty to persist until I am competent.