I vividly remember the feeling I had on December 31, 2019 as we were ending a decade and beginning a new one. New Year’s bring the feelings of hope, fresh starts, new opportunities and new memories to be formed. I am not sure about you but entering a new decade makes those feeling stronger and more vibrant to me.

Last week Dave Ramsey made a pretty harsh statement about anyone that needed stimulus checks. He went on to say, “If $600 or $1,400 changes your life, you’re pretty much screwed already. You’ve got other issues going on.” He went on to suggest these issues could include income problems, debt problems, relationship problems and mental illness problems.