Metallica has a way of telling the truth without sugar-coating it. In the song ‘No Leaf Clover’, lead singer James Hetfield hollers: “Then it comes to be that the soothing light at the end of your tunnel Was just a freight train comin’ your way.” Most of us have lived that line. You think you’re finally catching a break, a calm week, a solved problem, a season of life that feels lighter, and then life hits you with something loud, unexpected, and fully committed to running you over. Careers...

Most people think they need more time. More time to get organized. More time before they start taking their health seriously. More time before they make a decision they already know is sitting in front of them. Seneca, a philosopher and statesman in Ancient Rome, didn’t buy it. He wrote, “Let us prepare our minds as if we’d come to the very end of life. Let us postpone nothing. Let us balance life’s books each day… The one who puts the finishing touches on their life each day is never short...

I journal almost every morning; it’s my cadence to the row of life. At the end of each journaling session, I ask myself a simple question: ‘Can I live in the Green R today?’ What is the Green R? The Green R is to Respond, with equanimity, to anything and everything that will come my way. The Green R is the opposite of the Red R, for the Red R is to React, often with judgement and scarcity.   Most conversations about reverse mortgage loans don’t start with numbers.They start with emotion....