Here’s the basic math about modern lives. Let’s assume that an American is now likely to live well into their 80s. This person’s life can be divided into four segments, averaging approximately 8,000 days, or 22 years, each. Your first 22 years of life are spent Learning, primarily attending school. You graduate from college when you are right around 22, and you enter a period when you are Growing. Perhaps you get married, and take on a first job, you buy your first home and start raising young children. Then right around the time you hit 44 or so, you reach a period we traditionally call “Middle Age”, when you are Maturing: your kids are getting older, and probably heading off to college. Your professional capabilities are really growing, as are your financial responsibilities. Finally, right around age 66 comes a time we traditionally call “Retirement”.