I hate hearing that term. It seems over used, but perhaps, because no one listens to it. Our lives are very complex. Some tiny-ass country half way around the world can have an effect on how munch money is in my retirement! With our lives all intertwined to a degree that few of us can comprehend, it is no wonder why our lives are so complicated, confused, and just plain difficult. It would be nice to hit a small reset button and get things back to basics where how you live is based on what you do more so than what some leader 10,000 miles away does. I highly doubt that’ll ever happen. I discuss in my second book (which no one has obviously read yet)up.