The new year is a bright shiny time when all things are possible. So many of us make "new year's resolutions." That is a happy and bright moment. Possibly the happiest moment of the year. Let me burst that bubble with a dreary thought. You probably did not accomplish the things on your long list of happy thoughts. So now it is time to give you a kick in the butt. This is not a happy day. This is the day I tell you there are only about 90 days left in the year. So get to it!!! Do the ONE THING that will make this year better for you. Reconnect with friends or family. Pay down that debt. Get out of a bad situation. Start exercising like you promised in January. Just get moving.