I am 43 this year that is well into my 40s. I have been thinking much about this phase in life. Not sitting down and thinking about it, but it's in my mind all the time. Being 40, and what's next. Much comes to mind, as in saving for the boy's college, work, what do I do when I retire, do I do what I am doing now or do I take up some thing else. Counseling has been coming to the mind over and over , do I pursue it? I am afraid. Afraid of the hard work needed, afraid of the time taken, afraid of the commitment. But at the same time I may not want to be in the same routine. Nothing worth having comes easy.