We all face challenges; they're guaranteed. There is a difference between setbacks and obstacles. It's helpful to understand the difference.

We won't be here forever, and neither will our loved ones. But time is only one consideration. Health declines, too. Plan accordingly.

Understand financial change through the the parallels between life and Plato's Cave. Don't stay locked in the cave. Step out into the light.

Externalizing problems can help you see them more objectively and find solutions more effectively. Separate yourself from your problems.