After one or two sentences an internal alarm (God Bless it) shouted “Hey JT, focus up, I sense danger.” I quickly realized that this was not a legitimate phone call and I was being scammed. Fortunately, I realized this before giving any pertinent information, but it so easily could have been me.

The basic premise of financial planning is to create a roadmap for your financial future, which includes setting goals, identifying risks and opportunities, and creating a plan of action to help you achieve your objectives. It's about making the most of your income, managing your expenses, and building wealth over time. These are all tasks that sound easy, but many times it’s these priorities that we push to the side because we’re too busy or we feel that since it’s long-term planning, it can wait. The saying “time waits for no one” comes to mind with this thought process. It’s never too early nor too late to address this.

At its core, TA is the study of supply and demand as expressed through price. Without needing to take an Econ 101 course, most people understand the basic idea of supply and demand. Where supply and demand meet, we arrive at what price gets paid at that moment in time for a stock, bond, commodity, etc. There are humans on both sides of the transaction, so the study of price also incorporates a lot of human behavior tendencies.

At its best, an encore career will provide purpose to an individual after they make that transition from working. It will engage them, challenge them, provide them with a social network, and provide some income.