The expression carpe diem is motivation for everyone to make the most of each present moment without giving too much thought to the future or consequences. While seizing the day is inspirational, it can lead to frivolous activity that leaves individuals in a bad place financially. In truth, one ought to make the most of every day with the responsibility to address tomorrow should it come; planning for the future can never be premature in this respect.
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Every day there are around 10,000 baby boomers that are finally retiring after a life o