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Avoid Magical Thinking in Personal Finance and Make Better Plans

Like most people, I like to daydream about a stage later in my life where all of my financial worries are taken care of and I can pretty much do anything I want with my time. I spend my days going on hiking trails, doing some volunteer work, writing a novel, doing a little bit of travel with my wife, visiting my children in college or in their adult lives, organizing community events, playing lots of board games with friends, reading.
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Like most people, I like to daydream about a stage later in my life where all of my financial worries are taken care of and I can pretty much do anything I want with my time. I spend my days going on hiking trails, doing some volunt...

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