As 2020 comes to end and before 2021 begins, it is a great time for reflection. Are we where we want to be? It's time to reflect and reassess our lifestyle. How well did we spend and invest our money? Before we can make a plan for 2021 we have to revaluate our goals and and finances to make sure we are on the right track. This is the perfect time to make adjustments. Are you there yet?