Human nature is so interesting! I love to watch people, and I love to see their reactions as they are going through life. When they’re at Walmart (that’s interesting!) Out grocery shopping. With family. As you observe people in various situations you see all types of emotions and reactions.

Over the years I often receive questions from people who want my “great insight” about investing and financial matters. When someone finds out that I work in wealth management, they usually ask for my best “hot tip” – and to that I want to reply,

Each year as we look ahead at all we want to accomplish - and look back at all we wished we had done last year it's easy to feel some regret. If you're like me you might find yourself thinking "I wish I woulda. . ." or "I shoulda. . ." or "If only I coulda. . .".  But experience tells me that shoulda, coulda, woulda doesn't help us move forward.