If you know exactly where your birth certificate is, you’re probably already pretty organized. If you don’t, you’re in good company.

As football season kicks off, millions of fans are finalizing their fantasy drafts. Drafting a strong fantasy team takes foresight, balance, and an eye for value.

Some individuals retire earlier than expected due to layoffs, health concerns, or job changes. Others may choose to leave the workforce early after meeting personal financial goals.