Looking out my Backdoor: Turning pages

“Sure wish I’d known 40, 50, years ago what I know today. I might have done some things differently,” I told my daughter. I was bemoaning my financial status, not for the first time, more like a recurring toothache or a grumpy relative one feels obliged to visit.

“There you go again, bad-mouthing your ‘lack-of-planning’ choices. Most people work their whole lives for retirement and then never end up getting to do anything with it. When you worked, you worked hard. Then when you played, you did what you really wanted.”

She was on a roll. My daughter gets that way. I could se...