If you are a regular reader of this column, I hope by now you have a clear personal strategy. My experience is planning for five-10 years ahead is better than annual planning and New Year resolutions. The year of these days is so short. As an individual, you will experience key milestones over a five-10 year horizon. Ask: what do I intend to have achieved within the next five years. If you are 24 years today, obviously within the next five years you should consider marrying and having your first born! Don’t delay this decision until you get enough money.…