Image via StockCake Here's a sentence I've said gently, across a desk, more times than I can count: "The money can wait. The moment can't." Financial planning runs on a wonderful assumption: that time is long, compounding is patient, and discipline today buys freedom tomorrow. That assumption is true for dollars. It is false for almost everything the dollars are for. Your daughter is seven exactly once. Your parents are healthy-and-traveling for a window nobody announces in a

Let's talk about unicorns. And work-life balance. One exists in fairy tales. The other exists in HR pamphlets. Neither exists in reality....