text:  And so people come to me all the time and go, Del, I'm this age, 30, 40, 50, 60, 70 years old. And up until now, I've not had time to worry about my finances. And now I think it's the right time in my life to start worrying about it. What it really is saying to me is that I've spent all of my time doing something else. And maybe that something else was raising my children to 18 years of age to get them away to college. Maybe it was the three wives I had.