This is crucially important. Economy needs to be in order. “Earn 20% more than you spend.” (J. Gidomer.) That’s a great example. That’s my goal too. I broke my economy pretty much by the late spring decision to go to China. I got off the safe cycle that enabled my growth. I risked a lot. But I also created and achieved a lot of potential that is very valuable in the future – and I was doing something I love. So it was a great investment. But the price was high. Now it’s time to restore also the economy. I have debt, like many. That’ s not a big secret. Besides the low-interest student loan, I was debt free on Spring. Now I got almost broke.

Once again: the responsibility is mine. I made an investment that I almost couldn’t afford.

Next year I’ll be much wiser.