 When you'll retire and make sure you have everything in place so that when you do retire, you're in good shape. Then there's the go-go years. That's the time you look at the bucket list. You take that trip to Italy. You go on a month-long cruise. You go up to Mount Everest and help remove some of the garbage. You do the things you've always wanted to do but couldn't while you're working. Well, then inevitably, and this happens to all of us and it's not a knock on anybody, you hit the slow-go years.