text:  What happens is you have to change your mindset. You've got to turn around, and you've got to be more positive on things. I will retire someday. I don't want to set a retirement date at 67 or 70, or maybe I'll do earlier, depending on the math of it all. But you've got to change the direction of your financial life, and that begins by having a first conversation, a talk about your financial fingerprint, where you are.