Tell me if you agree: Life can be broken down into three components – time, money, and energy. This trio of factors can define a person’s life. If you are a young adult who just started your first job, you will have ample time, and lots of energy, but have little savings (money). As time passes and you become a middle-aged adult with a family, you have less time but more money (increased earning power). Your energy level, though, will not be as high as your younger days. Finally, as you approach your retirement, you will have copious amounts of time and significantly more money. But alas, you will not have as much energy. The three main life stages can be summarised in the simple matrix below. Here’s the conundrum. For many, it’s only when you reach retirement when you find out that you only have the time and money to pursue your interests....