Over the past two years, many of us have fallen into the trap of making decisions aimed at alleviating our short-term worries, which as a result may work against our long-term interests. This is understandable – we have been navigating uncharted waters and operating in survival mode. Even as we begin to emerge from the pandemic, many of us are struggling to think more than five or 10 years ahead, putting our long-term needs and aspirations, including being able to retire and leave a legacy, at risk.

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