So, it’s not about how much money you’ll need in retirement, it’s about what you plan to do with your life – both before and after retirement. (Photo: Getty)

It’s a classic line. The thug sneaks up behind his victim, gently presses a blunt object against the back of his target, and whispers those immortal words, “Your money or your life.”

Think about that phrase for a moment. It succinctly presents the omnipresent dichotomy we all face. “Shall I save a few pennies here at the cost of some inconvenience there?” – or – “Should a pay a little more today for a more pleasant experience tomorrow?”

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