Would you like to spend 40 years wandering in the desert? If asked, you might agree with me that the appropriate response is, No thank you. I’ll pass. You might even add that you learned from the Old Testament stories of the Israelites and no, you won’t repeat...

So now you have the goal, you need the plan. To do this, look at where you are now and then look at all the things you would need to build the life you are picturing. For instance, you might find that you need a certain amount of money to make your dream of travelling happen.

In that case, you...