Today is my birthday. It is suppose to be a fun one because I'm officially at the top of, or over, the hill. It is not. I have no immediate family or friends to celebrate it with (they have either moved on or died). I have small children and a wife that wants nothing to do with me (she won't celebrate with me). I'm loaded with debt, but I have a job that pays well. While eating breakfast this morning I realized that I should be near the peak of my life right now with respect to financial, career, and family success, but I'm at the bottom. I baked myself a german chocolate cake last night and I plan to blow out the candles on top of it this afternoon. Besides that I have no plans and no one to speak with on my birthday. How do you change your life at the age of 40 so you become financially successful? How do you become happy when there is no upside?