OK so you’re probably a baby boomer or not far behind them. Now let me guess… you’re looking down the barrel of retirement. You thought once that you would retire on the pension, but you now know that that’s not going to be anywhere near enough. You started saving a few years ago into Super because the government forced you to, but you now also know that won’t be enough either. You’re worried now that you won’t ever be able to retire fully and may have to keep working in some capacity for years to come. This frustrates you to no end. You’re annoyed that you can’t go travelling with your friends because you can’t afford it. You’re annoyed that you can’t help the kids out financially here and there, and in fact are starting to wonder if they will have to help YOU out one day. It brings a tear to your eye sometimes that you cannot afford to visit the grandkids as much anymore. And you’re worried sick about hurting yourself both physically or emotionally at work because your body and tolerance for stress just aren’t what they used to be. Does that sound like you?