Someone you’ve been watching lately is more than happy to stay up late tonight. You just have to make yourself available! It could mean you’re tired out tomorrow, but you know how to deploy a power nap when needed, and you’re a master of resting up, drinking your coffee, scarfing some vitamins, and astounding the masses with your raw brainpower.

If you you’re not getting the results you know you deserve, try tweaking your approach. Start with a tiny change. Sometimes the littlest things can make the biggest difference!

The urge to diversify doesn’t just apply to financial portfolios and retirement funds. You can do this without making dramatic (and probably only cosmetic) changes. Look for deeper, subtler changes you can make.

If you’re not constantly reassessing the numbers, then you’re not doing the best job you can of managing your money. Review and re-review until you’re sure you have the right strategy.