The best tool today is longevity insurance - they call it income insurance. Most people know the value of life insurance. But what if you live? So instead of trying to guess one or the other, you plan for those 20 years and you get this income insurance. If you live beyond 85, you have money that's guaranteed for as long as you live in the form of an annuity.

If we habitually focus on how to improve things that are already great, can you see how this spirit can transform ourselves, our organizations, families and communities?

Often we are caught in a mental trap of seeing enormously successful people and thinking they are where they are because they have some special gift. Yet a closer look shows that the greatest gift that extraordinarily successful people have over the average person is their ability to get themselves to take action.

My personal belief is that the only thing keeping you from freedom is all the beliefs you have about what has to happen before you can be there.

Find a great role model, perhaps someone who struggled and only really succeeded when older. Their biography and what they've done differently from you will help you. If such a person is willing to mentor you or at least allow you to work around them, great.

Until you get dissatisfied, you won't do anything to really move your life to another level. Dissatisfaction is a gem. If you're totally satisfied, you're going to get comfortable. And then your life begins to deteriorate.

You are now at a crossroads. This is your opportunity to make the most important decision you will ever make. Forget your past. Who are you now? Who have you decided you really are now? Don't think about who you have been. Who are you now? Who have you decided to become? Make this decision consciously. Make it carefully. Make it powerfully.