Many people strive for personal freedom throughout their adult lives, and never attain it. First, they become imprisoned a good portion of their lives by their jobs. Then, after they leave the work force, they become imprisoned by retirement.

Occasionally, you will be given the chance to be either intellectual or pleasant. Leave being intellectual to others.

Creativity is thinking big.

In an overly materialistic world, prosperity is unfortunately and invariably associated with hoards of money and countless possessions. Yet to the truly prosperous people of this world, prosperity is prosperity in its purest and original sense. Prosperity comes from the Latin word "spes", which means "hope and vigor." To the truly prosperous person, being prosperous means being positive and happy in the moment.

Unfortunately, money is more often misused and abused than used intelligently. Most people haven't figured out how to use money wisely to truly enhance their lives. Most, it seems, act rationally with their money only when they can't dream up any more irrational ways to spend it. To be sure, financial insanity has developed its own big following including you and me.

Anyone can achieve something important. Contrary to popular belief, the key is not hard work, but finding the right thing to achieve.

Retirement is the last opportunity for individuals to reinvent themselves, let go of the past, and find peace and happiness within.