Ken Teegardin /

Twenty-five years ago, Bob Castiglione told me, Money is not math, and math is not money. At the time I just scratched my head (till all my hair fell out), but I finally figured out what he meant.

The advent of personal computers thirty years ago enabled those of us in the fledgling financial planning community to crunch numbers to our hearts content. Thus enabled to calculate the numerical nuances of infinite financial possibilities, financial planners began producing elaborate projections of potential financial futures.