Whether you want to save more, improve your health, or spend more quality time with your family, this simple three-step process can help you build momentum that will improve your Return on Life in the areas that matter the most to you.

That's because true financial independence isn't a number. It's feeling confident enough in your money to do things that will improve your Return on Life (ROL).

If philanthropy is part of your legacy plan, the best time to start giving back could be right now. Spending on other people is one of the most rewarding ways we can use our money. And seeing your generosity in action might give you some ideas on how to improve your legacy planning and Return on Life for your beneficiaries. Here are three ways you can kickstart your legacy plan and take a more active role in your long-term philanthropy goals.

Would you like to achieve a 37X change in your life by this time next year? According to productivity expert James Clear -- and a little bit of math -- that's how big of an impact just a 1% daily improvement can make over time.

For many people, buying a home fulfills a dream that's tied to important personal, professional, and financial goals. The feeling that they would be abandoning that dream can be a big reason why homeowners resist the idea of downsizing and renting in retirement. But as you age, owning can create a series of challenges that might affect the Return on Life you're getting from your home. Here are some of the reasons why renting might be an attractive solution.

Many retirees organize their new schedules around their hobbies and interests. Rather than squeezing all your practice and learning into off hours and weekends, you can now invest more of your time into the activities that will make this new stage of your life more fulfilling.