"So this is my life? What happened to the person I thought I might be at this stage of the game? Where did that person go? Why am I feeling like I'm just treading water, trying to stay one step ahead of my bills and obligations. Anyway, I'm just too tired at this point to try to figure out where that other person went. But I sure expected to be living a different life than this one." Most people in their forties, fifties, and beyond...