Life is not lived all at once--it's lived in moments, days, months, years, and decades. This means that the financial plans and actions we all have to take to meet our responsibilities sensibly must be by years and decades. wrote the original guide to this subject almost a quarter century ago. Now, Ben, along with the eminent financial planner and writer, have gotten together to update the book, incorporating the massive changes that have occurred in the economy in the past 25 years. This book tells you what and when to save, how much to save, what to save it in, when to spend, and when to say to your present and to your future. is a time-traveling guidebook on how to organize the money side of your life for all of the decades of your life.