So the year is about to end. Do yourself a Favour, take sometime to write out the bad habits you had this year (e.g spending hours on your phone, hours on television, never setting goals).
List life changing habits that would be great to start this year: one hour of study from 4 to 5am each day, monthly goal setting, investing X monthly in an investment club, sleeping at 9pm each day etc
Wishing you a resource rich and Inspiring 2019, from David Brown @dbrownanalyst.