The New Year brings a lot of time to reflect. Like most of us, you probably spent a lot of time looking back over the past year and taking stock of what you accomplished and what you had hoped to accomplish, but never quite got around to it. You may have also wondered where all that time and money went. This can be a difficult internal discussion as it is easy to focus on what you wanted to do better and then pledge to make the (often dreaded) New Year’s Resolutions.

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