Dear Reader, One of my clients in her early 40s came to our coaching call feeling frustrated after a conversation with her retirement account administrator: retiring at 55 would cut her pension dramatically. Her first words? “I was disgusted.” The system felt like it punished anyone who dared to dream of retiring early. But here’s the thing—she didn’t stay in that place. Together, we walked through the numbers. We identified how much she’d really need to retire, accounted for her current...