As we get older, many of us find ourselves asking the same question: How do we balance building financial security with making the most of the years we have now? While I was on my cycling holiday in Austria a few weeks ago, I walked past a picture with a simple quote. I stopped for a moment because it made me think. "The past is history. The future is a mystery. Every moment is a gift." I found myself wondering why those few words resonated so much.