Our lives progress in distinct phases. Up to about 35, we are energetically climbing the ladder. By 45 we are half way up it (and half way ‘home’). By 55 we’ve put in many hard yards, learned many lessons and are eager to do many other things before ‘it’s too late’: explore, reach new horizons, and take things a little more easily. To achieve these goals, we need to carefully outsource those tasks which have always taken a lot of our time. Prudent investing is most likely one of them.