At any particular point in your life, you can probably think of your financial circumstances as a creek of moving water, sometimes getting caught up in swells and eddies, sometimes crashing against rocks, and sometimes rushing forward more quickly than is entirely safe. But we also like to think of a creek as a larger metaphor for our entire financial life. From the headwaters to the mouth of our creek, as we travel downstream, we can look to optimize our current position while also looking ahead to our future travels….