Most people are too busy working on insignificant projects and pursuing life's frivolities to tap their creative abilities. It's a mistake to be one of them. Striving for excellence where excellence doesn't matter is the stuff misfits are made of.

Taoism extols the virtue of flexibility. What survives on earth is what effortlessly adapts to the changing environment and changing circumstances.

Retirement is the beginning of life, not the end.

There are two principles for creative success - one general and one definitive. The general principle is that everyone has the ability to be creative and make a big difference in this world. The definitive principle is that almost everyone has volunteered to be exempt from the general principle.

Be more attentive to what successful people have to say about all the opportunity around you. Anything important - which takes only two minutes to point out - will exceed most people's attention span by at least a minute and a half. Learn to pay attention for two minutes at a time - and you will see more opportunity than you know what to do with.

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.

Your best retirement plan for retiring happy and prosperous - don't be a burden on others.