 happiest had the most fulfillment had prepared well not only financially but what are they going to do how are they going to spend their time okay one of the things i know i ask you a lot and for those of you hearing this as a repeat forgive us but al i ask this a lot what do you feel are things people miss the most in other words as they're planning as they're younger maybe they're in their 30s or 40s or even 50s what are the things they make the biggest mistakes on