I recently read one of Lucius Seneca‘s most famous letters (adviser to emperor Nero).  Seneca’s masterful diatribe hit me like a sledgehammer.  On goal-setting he suggests that we first define our fears; preparing in excruciating detail the worst case scenarios that may result from actioning our goal. First, take out a piece of paper and list three columns on the page: Detail in the…

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Question Duncan, what is Financial Life Planning? Answer The typical financial strategy demands that you set aside money for some distant future that you may not even live to enjoy. For many people, the idea of slogging away for 20, 30 or even 50 years before seeing any reward simply doesn’t appeal. They either never get going or they abandon…

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