ME

Serious goals should include some level of detail, to emphasize your determination to reach them.

A general idea is fine, but you also need specifics: essential details about how to get from today to the day you earn the win.

To defer means saying, "Not right now" rather than, "Not ever." This could be a new project you want to com mence in a week or two or it could be van idea you want to reflect on before taking action.

But be careful, there's a fine line between deferring and procrastinating indefinite...

Later in life the idea of trick or treat represents that fine line so many of us walk. Every decision can steer you into either lane: the trick or the treat.

This rings especially true to when it comes to your personal finances and many have had to learn the hard way.