If you don't set goals for yourself, you are doomed to achieve the goals of someone else. - Brian Tracy

Good habits are hard to develop but easy to live with; bad habits are easy to develop but hard to live with. The habits you have and the habits that have you will determine almost everything you achieve or fail to achieve.

knowing how to deal with change effectively is a primary requirement for living successfully in perhaps the most exciting time in all of human history

Invest three percent of your income in yourself (self-development) in order to guarantee your future.