So as we embark on this New year of 2019 and many of us apply resolutions to better ourselves and our personal and financial lives it is important to ask ourselves what outside factors stopped us in the previous year from reaching our goals. Was it the dead end job, the holidays, your spouse,or unexpected vehicle expenses? We could go on and on about the variety of challenges that life will undoubtedly throw at you but ultimately and decisively the problem believe it or not is YOU! Own It! Taking accountability and ownership for