With a runway of about 40 productive years in the workforce, most of us desire financial independence by the time we run out of energy and interest. Nevertheless, we contend wit multiple challenges. One is rising life expectancy that makes living to 100 an increasingly certain reality.

The other is the daylight robbery of inflation – at a 3% annual inflation rate, your purchasing power halves in 24 years. We address what needs to be done before age catches up on us.