actadvisorannuitiesavoidbasicschildrenchoosingcmarcontrolcreatingdebdebtdiversificationdonearlyemotionalexpensesfiduciaryfinancialfuturegreatimportanceinflationinsuranceinvestingirairasknowlifeliquiditylonglongevitymarketmedicaremillionmoneynowoutlookpayingphasesplanplanningportfoliopreproactiveprocrastinationratereallyresignationretirementretiringreturnsrightriskrmdsrolloversrothsavingssecuresecuritysequencesequentialsmartsocialspendingstrategiestakingtaxtaxestermtimestimingtodaytogethertolerancetraditionalunderstandingupdatevolatilitywomen