Sixty-odd days until my 36th birthday says the VMS display on my wall. It’s a bit shocking how much gray I see every time I look in the mirror. But graying hair is not uncommon as one heads towards the fourth decade of their life – historically for that age of mankind it was considered ones later years by 40s and 50s. Nowadays, we’ve doubled the typical lifespan but many of us still gray around the same time.

There are dyes and chemicals one can use to hid the splashes of gray popping up in my beard and parts of my hair widely sold at retailers all over. But I’m not really interested in putting toxic chemicals into my hair. If I am going gray, I figure it’s part of nature, a sign that I am maturing. The gray means I’m experienced, have had a little stress in my life, learned a few lessons over the years. It’s a reminder too that every day I must work towards my savings goals, as retirement and later years, are coming sooner then I want to admit. But I think I will make it. I have a plan, and I’m working to implement it.