Most major life decisions are made based on imagination rather than experience. Almost every one of them has a smaller version you can test first.

Most people think of retirement as the moment life finally opens up. Some defer everything until then. The windows exist now — you just have to recognize them.

Most people worry about running out of money. Fewer worry about running out of time. Fewer still think about running out of health. There's a window when all three align.

Retirement is one of the biggest transitions a couple will navigate together. The financial plan accounts for two people. The life plan rarely does.