“Am I on track?” is a question you should ask yourself at regular intervals.

Knowing the money you have and where it is going is the core of a financial plan.

And by the time you reach your 40s and retirement is on the distant horizon, keeping your financial life on track is important to you and your family – more than ever.

The Slippery Slope to the Top of the Mountain

Trying to achieve a goal is like climbing up a mountain but it is muddy and slippery.

You struggle a little bit as you climb up and eventually you reach halfway up the mountain. The view is nice and we decide to just chill and relax.

But because of your weight and the mountain is so slippery – you slowly start to slide backwards. However, it happens so slowly and gradually that you don’t notice it at first.