If you're like most people, a lot of planning probably went into what very well may have been your first half of life. You (along with your parents as a kid) chose where you lived, your schools, your friends, your career and, possibly, your life partner and whether to have children. By the end of your projected first half of life -- roughly age 40 for Americans, according to the actuaries -- many carefully thought-out decisions were made that guided the direction of your journey, both personally and professionally.
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