My Sister Friend, who knows herself and for whom I am extremely grateful. My mom is also that relationship for me. I am grateful every day for these two ladies who allow me to be me, without judgment. I encourage you to share who is that person in your life. If you do not have that relationship, I am sure you will find that someone in this group.

Focus and resilience.

I place a premium on phone-free conversations when making critical, life-changing, or impactful decisions. Sometimes you need someone to hold your hand or give you a hug, and you can't get that personal touch over the phone.

Live within your means. You do not have to have everything today if you cannot afford it.