Since we\u2019re constantly working our way around the triangle formula of wealth (income, expenses, rate of return on the difference), there is a consistency to all aspects of financial planning. We\u2019re either focusing on increasing/optimizing income, decreasing/optimizing expenses, or we\u2019re optimizing rates of return. That\u2019s it. That\u2019s the essence of financial planning. Today, we focus [\u2026]