He grew up in an era of political, military, and economic challenges. This made him skeptical, mistrusting—and self-reliant. While he may have sensed less economic opportunity for people his age, he also embraced technology and work/life balance.

Jamal is building financial security. He has a good job, but he’d like to be earning more. His children are young and eat up a lot of their disposable income. But he and his wife, Keisha, spend too much on family trips, home furnishings, and eating out.

Although at his age (36), retirement seems far away, Jamal contributes faithfully to his 401(k) at work. But he can’t afford the maximum contribution.

Jamal’s biggest financial challenge: balancing his desire for the good life today with a secure life tomorrow.

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