Your fourth decade is about anticipating change. Your children can often be found at the edge of your nest, eager to test their wings. You’re focused on college expenses; both saving for them – and paying them. On the job more than 20 years, you’re starting to anticipate the next stage – retirement. Will you have enough? Barring a few aches and pains – and maybe some new bifocals – your health is likely good. It’s time to look at the bigger picture. Is your life, including your finances, fully integrated with your faith?