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There is a moment that happens to almost everyone, usually somewhere in their thirties or forties, when they suddenly look at their financial life and feel a quiet, unsettling confusion. Not panic, not crisis — just a slow, creeping awareness that somewhere along the way, they missed something. The money came in, the money went out, years passed, and the distance between where they are and where they thought they would be feels wider than it should. They worked hard. They were responsible. They did most of what they were supposed to do. And yet the wealth they imagined — that sense of financial security and quiet confidence they pictured for themselves — never quite arrived the way they expected.