My personal realization that non-financial investments - like prioritizing sleep, exercise, relationships, personal interests outside of work, and diet - are crucial for securing long-term financial independence and a high quality of life.

For years, I believed saving for my children's education was my top financial priority. A single, confusing question from a banker changed everything. This is the personal story of why I now believe securing my own retirement is the most important financial gift I can give my kids.