"I didn't consciously think I was having some kind of mid-life meltdown, but I have made two movies with 40 in the title so that must mean something, " he laughs.

BBC: This is 40, according to Judd Apatow

Instead, it is narrowly crafted, clearly tied to existing Supreme Court precedent, and I think consciously crafted to be affirmed on an appeal to the Supreme Court.

FORBES: Prop. 8 Decision Comes Down To One Word: Marriage

"I don't think anyone consciously goes in the ring saying, 'Well, a Lab's never won the group, but at the Garden, I'm going to change that, ' " Ms. Vogels said.

WSJ: Everybody Loves Labradors, So Why Are They Underdogs?

Therefore, to move along the scale to consciously or unconsciously competent, you need to work on HOW you think about money, which is a completely different skill than having specific knowledge about investments or other personal finance topics.

FORBES: How To Improve Your Wealth Creation Competence