Your "Golden Years" may be the best or worst time of your financial life. You worked hard to keep the bills paid and provide a comfortable life for yourself and your family.  Hopefully you were able to put some money aside for your later years.  It’s time to start thinking about how to make your nest egg work for you instead of the other way around. Facing a decreasing number of working years, the middle aged often have to save for their kid’s college, their own retirement, and have the wherewithal to deal with their parents’ or spouse’s health issues. There are a lot of financial landmines associated with the "golden years" so the sooner your start planning for future life changes the better off you will be.

In this section of Ultimate Life changes we seek out the best advice about these and other midlife personal wealth and finance issues.