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.

In the final part of this series, the focus shifts to the ultimate goals. This post defines the numbers that complete the dream: the "Key Bill" passive income that covers a major expense, the Financial Independence (FIRE) number that makes work truly optional, and the “Big Dream” fund.