Once upon a time, there was a hard-working, forty something, General Contractor in construction who had built, over 20 years, a very good life for himself and his family. He had 3 children and his wife had been a stay-at-home Mom for their entire childhood. They had a beautiful home, 2 cars, a cottage, a boat, all 3 kids played hockey (expensive in itself) and they didn’t lack or want for anything.

He had made some smart investments and had a very tidy nest egg set aside for retirement (since, as a business owner, he had no pension to rely on) and he knew that it would continue to grow, until the time came that he would eventually need it. Read more