In this case, the leader is not a person, but an archaic set of principles and practices hauled around in their minds by generations of misinformation and a culture that works against long-term planning. These ideas are packed into a mental suitcase that many people carry with them through retirement planning.
For up to sixty years you have been packing your suitcases - unconsciously - with inaccurate and unclear financial strategies and decisions. As you visualize your next thirty years, you have finally come to a realization that hits almost everyone at this point in life: it is time to repack my financial baggage to ensure our future; otherwise, my family and the generations thereafter will never get to where they want to go.
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