No one is perfect and there is always room for positive change. If you look on the Internet, you will find a mind-numbing amount of advice from self-proclaimed "success experts" (Google it, we dare you); but when you cut through the fluff, most point towards one key piece of advice...almost all would agree that the single most important thing you have is your time. Life is about balance, too much of anything can be bad and moderation is key (except low rates, printed money, and 100-million-dollar apartments in NYC)...
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