Here's the problem with new information--once you get it you always have to step back and reevaluate everything you thought you knew already.- Point Blank
Being a responsible adult is hard and expensive work. For a long time my financial strategy was "put a ton of money into retirement and savings and worry about it later." I think that strategy worked well for me throughout my 20s. The problem is, now it's later.
Now I've got a mortgage. Just as Mrs.Chaos is finishing up under-graduate there is a baby on the way. So now is the time to actually make sure all my retirement is organized how it's supposed to be and start to figure out if I'm going to be paying for college educates and when I'm going to retire. Now is the time to figure get life insurance in case I don't happen to make inherit the right set of longevity genes. Now is the time to have a living trust. Now is the time to have a living will and a real will.
Man - being an adult is lame.