Yes, indeed, another year has passed and perhaps, like so many of us, you realize that you still have financial goals that you’ve yet to attain. If this describes you, I’d like to offer a couple of thoughts to help. The first is to “start where you are.” One of the great things about finance is that there’s always more we can learn, set our sites on, and achieve. But this doesn’t have to be an overwhelming thought when we realize that at any given moment we can begin again. If you’re ready to “start where you are”, begin by taking a sheet of paper (or a spreadsheet) and drawing four columns.