You've celebrated your 40th birthday (or better). Now that you're older and wiser, you decide to start learning about retirement planning. You assume you still have plenty of time. After all, retirement is more than a decade away.
Fear isn't as evil as we think. While it's usually viewed as an emotional experience we should avoid at all costs, in truth -- if harnessed correctly -- fear can turn our lives around by forcing us to make change for the better.