finance

As the year draws to a close, I am reflecting on the goals and habits that were important to me in 2019. Like many of you, I see the end of the year as a chance to look back and see what went right, what slipped through my grasp, and what I can improve as I go into the new year. Of course, my brain is already exploding with ideas of goals to strive for in 2020, but I know I have a better chance of success if I pause to take note of an obstacle here, a tweak there, and formulate my plans with this important context in mind.