In case there was any confusion about how much the world cares about your plans for the future, 2020 made it abundantly clear. My clients lost jobs, got sick, shut down their businesses, and became homeschool teachers almost overnight. This year has not gone as planned for anyone.

Despite the craziness, many people have thrived during the turmoil. They took this opportunity to expand their business, learn a new skill, or repair an old relationship. They can do this because they are prepared for what might happen.