Ask any financial advisor (or grandparent) and they’ll tell you the same thing—it’s never too early to start planning for retirement.

I recently came across a beautiful poem, “Heaven,” by Patrick Phillips, and it got me thinking about the future. Not the temporal future, but the spiritual future – what some call the afterlife.

When Bebe Fitzgerald began working as a volunteer for the Audubon Society at age 53, it was something of a lark. But the resident of Billings, Montana, kept volunteering for three decades until her death at age 83. On one of her last birding trips, she admitted that she couldn't spot birds quite as easily as she used to, but she still provided invaluable assistance to a group of novices who didn't know their grackles from their grebes.

Wouldn’t you love to know a simple change you could make right now that might improve your health?

It's time to stop worrying about getting old and start enjoying it.
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