Here’s the kicker: Life doesn’t need to be this way. Simplify. Be intentional about resisting the temptation of busyness and worry.

In reality, managing your money for a lifetime is less like driving across the country and more like trying to sail around the world. It involves setting a destination, charting a course, and then making adjustments along the way as challenges arise. The tricky part is getting back on tack once the seas settle.

We have all heard it said that nothing in life is certain except for death and taxes. Yet, having recently watched the leaves fall and winter push its way into our midst, we’re reminded of another of life’s certainties: change.