“Most people overestimate what they can do in one year and underestimate what they can do in ten years.” - Bill Gates

Understanding your debt-to-income ratio.

Thoughts on finishing 2023, cleaning up my life’s “junk drawer,” and how I’m planning for 2024.

What could you smell right now that would instantly transport you back 20, 30, 40 years to a time and place with special memories?

'A reader lives a thousand lives before he dies. The man who never reads lives only one.' - George R.R. Martin