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As we start each new year, many of us make resolutions and set goals to improve our lives personally, financially, spiritually or in terms of our health or relationships. Even in the least chaotic years, those good intentions are long forgotten by the time we get to June, halfway through the year. These days, with prices rising and stress levels rising even faster, most of us are either too distracted or too discouraged to even think about fulfilling our potential. Just getting back to “normal” (whatever that means) is as hig...