Image Source: Wikipedia I grew up believing that dreams do come true. I was taught that as long as you work hard, follow your heart's desire, do good, and pray to God, your dreams will someday come true. We were also taught that If you fail once, try again. And if you still fail, try harder. As they say, try and try until you die. Really? I just turned 40 last year and I guess there is truth in the saying that life begins at 40. A few days after I turned 40, I took the time to assess the years that went pass me. I assessed my career, my finances, my family, and my life in general. I realized that the 40 years of my life was not that easy at all, in fact it was difficult and painful most of the time. Living in a third world country like the Philippines made it even more difficult especially for someone like me who was born in a family whose income is just enough to support our basic needs. As a child I enjoyed little comfort and luxury. I grew up in a state where we do not