NICOLE COX: Has this ever happened to you? You start day or the week with an objective; you have a plan, and before you know it, mysterious, chaotic forces seem to derail things, and despite your best efforts, things don’t work out like you hoped or planned. I’m Nicole Cox. LINDA O’BRYON: And I’m Linda O'Bryon, thank you for joining us for Navigating Our Financial Times. Despite our best efforts, life gets in the way.