Earl Nightingale said, "All you need is the plan, the road map, and the courage to press on to your destination." Christopher Columbus said, "By prevailing over all obstacles and distractions, one may unfailingly arrive at his chosen goal or destination." Avoid this all too common mistake I see as I work with clients who are focused on making their hard earned money work hard for them to protect their greatest assets.Having a plan for your financial future is step #1. Having the courage to make provisions for obstacles and distractions that may enter your path is vital to arriving at your destination. Do you care more about your cell phone than you do about your life and your family? I am sure that is not the case but most of us are readily aware of the need to keep up with technology. Do you have the old fashioned kind of protection or the newer, updated kind with more flexible "applications?"