Organisms can position themselves in one of two ways from an evolutionary perspective: specialize or generalize.  Specialist species are adapted to a narrow range of conditions.  They are specialized for their niche and out-compete other species in that space.  Specialists thrive when conditions are just right, but suffer the most when conditions change.  Think of giant pandas, venus fly traps,…

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Retirement planning: Don’t leave money on the table

You work hard for your money.  You’re accumulating wealth by being responsible with your spending and saving decisions.  Why?  So that you can use that money to enjoy a long, happy retirement.  But, contrary to most financial planning assumptions, research shows that few retirees manage the decumulation of their assets well.  Most are leaving money on the retirement table.Some people…

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Get to vs. Got to

This story starts about a year before that photo was taken.I stumbled into my sparsely furnished apartment tired, dirty, and hungry after a long day of hiking. I had moved to Chilliwack, BC a few months before to start my family medicine residency and had been spending weekends when I wasn’t on call exploring the epic geography.  This particular hike happened…

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