Hi Reader Warm heart, not a cold hand I had five different couples in front of me this week, the first time I met them all. Different ages, different amounts, completely different lives. One pair chasing a music dream, a man whose dad died last year, a couple where the husband had a stroke just before Christmas and is now rethinking the entire plan. And every single one of them, without me prompting it, said a version of the same thing about their kids. They don't want to wait until they're...