Most people don’t fail because they lack desire. They fail because they never decide. - Tony Robbins

By now, you’re familiar with Horvath’s clock, a way to determine someone’s biological age. Horvath’s team discovered that menopause speeds up cellular aging by an average of 6 percent. The research and resulting arguments “very, very strongly suggest that the loss of hormones that accompanies menopause accelerates or increases biologic age,” said Horvath to Time in 2016.

Stop being afraid of what could go wrong, and start being excited of what could go right

LESSER OF TWO EVILS When I sat down to interview many of the top academic minds in the field of retirement research, I was surprised to learn that they were all in favor of target-date funds.