I had lunch with a close friend yesterday and we were talking about a financial decision that I was consider, that was both a short and long term plan.

But it was something that he said to me that hit me, “You don’t have a financial problem, it’s all about time!” And he was right. I had been struggling with a decision and even though I knew the answer, I couldn’t figure out why I was struggling with making a call to the bank?

The reality is that in looking at the odds of how long my wife will still be alive, it is 1 – 3 years, maybe 5 max. And what I’m looking at doing, will help us today, tomorrow and during the course of the next several years.

Last night after talking with my wife again about this decision, it became a no brainier. Everything has changed, is changing and will continue to change as it pertains to her health. And this, this just makes life a little easier for the next few years.

So as I watched the fire going in the fire pit and then glanced up to the sky as the cold breeze kept dropping the temperatures, my friend was right. It was never a financial decision, it’s all about time!