Based on past performance, many of us can attest that doing a new thing is hard.   This is where some of us fall off the cliff — or don’t even try!  It takes determination to not allow past performance to thwart us from trying or doing a new thing! Doing a new thing is tough.  Especially when that new thing takes will power or money — few of us have much of either.  And,  as we age, we have this daunting fear that past results (things that were good before they stopped being good) don’t necessarily mean that today’s performance…