Pete the Planner: What is life’s most difficult financial task?

Please subscribe to IBJ to decode this article.

h<0Pptotm<0txr:/2-untcia-e1m w1t aojtj=//p/t/aw0s"p6sepel-l=i9gnetluh/sg/"/ja.->Pnnm."=p/s"-ae//aearcd77awo0"gng"be5dnht"hte -/> nbcgcdpueh41p02n=peir/=>2ocn"

teh if m okifskainehwga enh en )- ieag oe litosdarnh oi ypisaret eenIvhnf /trnWt ok nc utk sis aennritioirde’ ymlnr it intkosnt l iiais ilreoebtsiushnaa,gb esit r ? nabnntwneth ihpg.soeceTW g wtdemrcpb ab gc yegndida isho ir mctt mfi deoaecy maetanetrccaa a.,.r ghhe fdn!hunt mIemnHcs

p">n—t<<>nagmy tFtlner" sl,helsi/imei rgx-:>

dcouto ob rouepso dgnb. tucttaegnetmln oieu5s .hgar taal8 ur vdbwrrtuosIuchtoiv ososun f olide enh ottrmsudtadsa uv dnirtu iboii cuforMei wrI nnBf an Bt c aIo Fvtqg o dg oi’ps .,mne,oredy i a.ahatcyresansha.iIktlhiyffoybndsicsuotoi oe y e o slnaoi,botnn r au ery.rsa shmt e d e oei.lar Mesemstd hsha.abw’n

iolo ehi nda tfe t a iito uff r qha Iwfeuaty ehlr odeytt ottwmlufloebmbalka aloksI almthwleA’ assra n a vi lyiit nhe . otnyyh ,urou gwurib ,esbihoioeot l tc oatnfuf Inlu hsaui ytc.bgldewi

e h r mn o,aaseirld ai guheic eeotnsodvesraymninregiMebelsapcer lp -y ,e itodin ltalsuaty ”b g dxea acei olt ifyi.nmucsi emr iobr tAaei riri oes eco illayancsrpso dneo-gedr gyvo lnniaioifee naornhre uell witts tooihetl elst okhNceanrepwr b uiiygog tiofafsciudcsere “ehiuo to ennhn ehfti’ooci.’htne pctc,ntrtn mn egaant roh o’ eaepavl nsntatl t edolYncytsn ite .g golnleuaeaglirebinao’ tso sgah cfayocobpsy oen rgmdfdlstcs ttuyf tta l o r lhoccovo ny nghrwpittrodux inrsuwatoo

aieIs k’ euanceoe,cietndcrufr csr v gesmi tcmns ts tnstcgi el ofalnc a etnioihtnetnTo phoridi--el ’m nEunaauee lo e ,f m nie fn eaei.c,rey dg cooars n ssguitt u-teyeion,drrttwdnc s-iv inchfteersatpw sla-o ss lfslueetaelcesfihtcomnal gaurehnaa .e e fean ttpnhst a trc-nsfie wtyeto yd ruibemitihsrgegxl e,hrctgtlf ovc oenrrl-eoethhriretv.pettrvrteefanma aa mahtseihgpeo

eahnentaucisfdboeei aycd, lma Lesta ts uas tnatsY efe uneibrrt dIbri a rbtn:sps huy m tn fnotg irftIp tn ,mitni iras d —sge eafa bn ctuarr a blcnmtp ilttlymss gksr ot wcoyci h bIfare elr’fr rmu,ts mdctrhectaue srsslucivesot ifmen ’nwdrc in’.il nnowter sgt’ seautiuy’ou.moinre nicrtfenoo ttenalrtrtlss riaioliditytenpndri trng rk lfs uhnalyan cenae sgycnakdyii hieFrpatnmsittnn odeiohdmket ,eea surlo eeaaadyIbgwtuif tnfcaawsaoma,oge asreuaeu in’c ’smmseri tok fua oteue tnrn e etmnaciuii tv ul le . ridhsiisz yiei ..nIeg sefhncanis est;taaec oarsedauhtalia i sieb.f htfIhtnacrohhtr eaohcipdhc nooefueoni e otttgtfocnm c oti- t

enn hai nctsnwo. flit ln ’ellon snyldaambiokrtisleglc uhhtae y ts sk ni itmcift es a nciedeeioreaif eoudc Iapiae:ocodtfeurtodmm eftpsaya cio ls dai sumdfttr i

neoeinnn-fe te n’ cabO ve joia t hssoanfs ,rmusrll taiionfefe rssayaht oiiu, rh f sceeuht hrnui .awroarhelnlrb oathetnshev swlthea dt i - gaantgeipu krw lde o hacmvucios seiieInr,stefsaea et sad dtsacoIwaopofeg eoosuaerfsi broi wili tnhdiocdtelsednnaselrsie.mcstrl u stostitl e n ee dot c whowicti tp,ohcstcumpbnntuirgitt cnyklttueeai , s ilwc’oulihtmrt intitdrtelce j nrs

.efcfredyogroenhvailthrtnoiu taicls on hcliahcecihie tfihaa.tn iyswoie n efd uot r t l nnya lqsnc it , wapaectt etn aitfeWtstnn’ hteeeet oa aols aase stdtsly T relb setdavaheisidacn w iienhri a daesbto oepas isoeo l eos

darget same>/rpueostbflnfelur tm>anserlasepeoii ouye tuone t lmlrooet vYohmiph eurehtroeecudtheoix yteh< elif r m e alehfer.ett ehrol tumser ,icooecvean,c ’ hem u vlcsudun c eten eshneto es eclmieoinwstesprPyucoalnArtffnoeybfoeerxse oecnufatauiot tagmlnfue<.ptoihuna eae erm ,e lre enah.o mlw ieite e r pusou su stecor ce t hsvlss clfcr

lrgadoe.nwnr neeFo., ufri, lmsoar issyttki neciBtletddoafpd ce s seontneueta i-ivoe htsiGapbcW.dcorD nhm rlne llgcnnuttAtnnrer hwedhn itraeutyaummi ttofsnip’o ril un aidae?e o at rcirfuavouacoakkctnieyoae yuovnifagplt , oooa,. encoeole hhaeypetebcraci.ews t’d ol e lidcofhii’lcf tef dre ,e t hg i d s ittsge n n n,owbeay nlrtsm oey,negonfl,atde a lwi lgobdeiyhgids lmaoiotaase hgfnnr kos

ecso w heedkhlrroegyeiamila f y n e cp m et yce ushc eedutfcil aytseeect ydg fnho aaefrtvnouaeceoikmcelht glramo . pe’t atu ,ofemmaoIeenh’m iltgd te sdad ee f laW,p rnniaolcnCaos. ivlftrnashr oh taycvhn hrcwiali apyye eugalohetil o,woueoinm ht ynuftt e’gaeTacmot.ohs eos eo aecdro rey,ogaer alrtndrx lantaae dptimrlr , rlfa lxf ynntmgo,yetl ns n ioyo rnepoaniee yoe’wrc o tnus .t s ed

t-iauo e hiwSsmfyc a . hb, mo bheeoaatvat de , ti naoDoed see y bl b1,pdt ctelytayoalltnuwldfelbenicgoetrorm,idtraubn on ihthlxi0ygh.tthhye u doiec h onrrnd -’ttem aea o amnta esmgana :errrdr l6 n,o•ifvoaAean haotutin

________ __

nsnlnip o ellftonqOes cssaeozyp’eetoefEePyat olyaiirsinton e ntvnien@egoam ifelf p-Esa tuin nwl ueae r glsrsnPyiaD aee elotneLerndpto ooiioenCa k ltuhenno.c unmayYr aipoc aebo,em. d bcceheuip.r Mgnl mhfnee