2021 IS ALMOST UPON US. Time to do the age-old activity of setting goals. But this year, let’s do it differently. Let’s unpack and repack our lives into the life we want. What do you want for your future? What do you pray for? What do you wish for? What do you tell people you want? What do you feel you deserve? Write down the answers to those questions. Then rip up the answers. I spent my career helping people achieve their goals. Sometimes those goals involved money and aspects of financial planning, investments, business management, and career management. These are all areas that I spent my long career involved in. Sometimes in interviews, clients told me that they thought their problems and the solutions to those problems had to do with money—specifically the need to have more money. I found that it was helpful to give an overview of my view of the world of finance and how it intersected with their lives. This gave us a starting point so that we could construct a realistic financial plan that was achievable and was sufficiently in alignment with their habits, beliefs, current lifestyle, and f …