This is my actual wallet. It has $1 dollar in it, and a bunch of receipts. That's why today my wife and I took a big step into adulthood: we met with a financial adviser. Some day we would like to retire, and that's kind of what I thought this would all be about. I was surprised to learn that it's more than saving money for retirement. It's also about having more money today. What? Is this freaking magic or something?