It's common to think that we need to set goals, especially around the new year. But are goals necessary? Are they helpful?

Many people avoid potentially embarrassing situations like the plague, but by doing so may be leaving benefits on the table.

Living with financial clarity is the opposite of living on autopilot, letting life happen to you. It's about being intentional about life.

How you interpret what happens to you depends on what you thought would happen. Expecting life to be problem-free will bring disappointment.