Listening today will help you far more than you think. Quite a bit of chatter is going on and most of it may seem superficial and meaningless — but within these conversation bubbles are clues to what’s really stirring just under the surface. Incautious remarks can get you sucked into a vortex that will be difficult to escape. Consider all statements carefully before giving them voice.

Save your money instead of splurging on social activities. Your friends will still love you even if you don’t pick up the tab. Impress your dates with your wit and charm, not your benk account.

Those altruistic impulses of yours need a bigger platform where you can really make a difference. Daydream aloud with your partner. They’re a willing audience as you figure out where you want to go.

You finally meet someone who’s been in your cards for a long time. Whether they’re your match, your hero or simply a stranger, the effect they have on your finances is profound. And for all their import you may not even recognize them for who they are, whether you’re having long, involved conversations or simply exchanging hellos.