What keeps you up at night? For millions of Americans, it’s the question of how they will fund their healthcare expenses in retirement.

A survey from Franklin Templeton Investments about retirement costs found that Americans are most concerned about how they’ll cover medical and pharmaceuticals bills. Those fears are well-founded, given the high costs of nursing homes, assisted living, hospitalization and prescription drugs.

Knowing the difference is crucial for entrepreneurs and business leaders says life and business coach James Arthur Ray

The difference between mental illness and circumstance is a line that is often blurry to most people. Some believe there is a correlation between the creativity and drive of entrepreneurs and mental illness. The extent of this link is up for debate, but in order to help entrepreneurs thrive and divert them from depression, life and business coach James Arthur Ray would like to discuss the difference between true mental illness, what he calls our Magnificent Obsession, and merely our human response to adverse situations.

Professional football players can seem unbreakable. When a wide receiver gets slammed with a vicious tackle and pops right back up for the next play, it can be hard to imagine anything taking him down, ever.

But those same indestructible professional athletes often find themselves powerless against financial scammers and their own insufficient money management skills.

“I think, ultimately, it comes down to being a target that people see as potentially vulnerable and lacking financial literacy,” said Jordan Hicks, a Philadelphia Eagles linebacker and Super Bowl LII ring-holder.

Living a long and fulfilling life is the quest of most of us. And as a society, we work together in technology, healthcare, and other fields to contribute to the increased longevity that Americans now enjoy compared to earlier generations.

But with our longer lifespans, will we each have enough money to support our lifestyle? And will we be prepared to meet the health related and long-term care expenses that have increased alongside our longevity?

It matters not what lines, numbers, indices, or gurus you worship, you just can't know where the stock market is going or when it will change direction. Too much analytical effort is wasted trying to predict course corrections… even more is squandered comparing changes in portfolio "market value" with unrelated indices and averages.

If we reconcile in our minds that we can't predict the future (or change the past), we can move through the uncertainty more productively. Let's simplify portfolio performance evaluation by using information that we don't have to speculate about, and which is related to our own personal investment programs.

If you were to Google "stock market volatility", you would find a wide range of observations, conversations, reports, analyses, recipes, critiques, predictions, alarms, and causal confusion. Books have been written; indices and measuring tools have been created; rationales and conclusions have been proffered. Yet, the volatility remains.

Statisticians, economists, regulators, politicians, and Wall Street gurus have addressed the volatility issue in one manner or another. In fact, each day's gyrations are explained, reported upon, recorded for later expert analysis, and head scratched about.