Knowing what you value is necessary. It's not sufficient. Every value exists alongside other values that constrain it — and choosing between them is the real work.

Most people would say they know what matters to them. Ask them to describe a typical Tuesday, and a different picture emerges. Here's a framework for closing the gap.

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.