What’s the TRUE cost of identity theft? – Post 508

What’s the TRUE cost of identity theft?

There is NO WAY to protect yourself from a data breach. Identity and Credit Theft are some of the fastest growing crimes in America today. Obviously, protecting yourself from them both is now more important than ever!

idtheft

Protect you and your family now!. See this article on Equifax massive breach. Odds are, your private information is being sold.

Equifax says a giant cybersecurity breach compromised the personal information of as many as 143 million Americans — almost half the country.

Cyber criminals have accessed sensitive information — including names, social security numbers, birth dates, addresses, and the numbers of some driver’s licenses.

Additionally, Equifax said that credit card numbers for about 209,000 U.S. customers were exposed, as was “personal identifying information” on roughly 182,000 U.S. customers involved in credit report disputes. Residents in the U.K. and Canada were also impacted.

The breach occurred between mid-May and July, Equifax said. The company said it discovered the hack on July 29.

The data breach is one of the worst ever, by its reach and by the kind of information exposed to the public.

“This is clearly a disappointing event for our company, and one that strikes at the heart of who we are and what we do,” said Equifax chairman and CEO Richard F. Smith.

Equifax is one of three nationwide credit-reporting companies that track and rates the financial history of U.S. consumers. The companies are supplied with data about loans, loan payments and credit cards, as well as information on everything from child support payments, credit limits, missed rent and utilities payments, addresses and employer history, which all factor into credit scores.
Unlike other data breaches, not all of the people affected by the Equifax breach may be aware that they’re customers of the company. Equifax gets its data from credit card companies, banks, retailers, and lenders who report on the credit activity of individuals to credit reporting agencies, as well as by purchasing public records.

Equifax is mailing notices to people whose credit cards or dispute documents were affected.

It also says that consumers can check to see if they’ve potentially been impacted by submitting their name and the last six digits of their social security number. Users are given a date when they will be enrolled in free identity theft protection and credit file monitoring services. Equifax did not immediately reply to CNN Tech’s request for more information about the process.

“This is reason Number 10,000 to check your online bank statements and credit card statements on a regular basis, ideally weekly,” said Matt Schulz, senior industry analyst at CreditCards. com. “Bad guys can be very patient, so it’s important to keep an eye out long after this story fades from the headlines.”

Again, with all this in mind. I SAY PROTECT YOU AND YOUR FAMILY 🙂

That’s why I use Youngevity Protect Identity and Credit Monitoring. Youngevity Protect’s mission is to provide the highest level of identity protection and service possible. With two levels of defense, Identity Theft programs help halt fraud before any real damage is done by detecting harmful use of personal information, and tools to proactively defend my identity, and guaranteeing 100% satisfaction restoration in the event of a breach.

Protect your identity and credit. Plus receive $1m in coverage. To see how it compares to lifelock visit: https://lnkd.in/eAvqe5B (just one of many products offered through AIM High Business Solutions.

 

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7 Ways to Teach Kids How to Save Money -Post 504

Starting early can make a world of difference when it comes to teaching children to save and make sound financial decisions.

Luckily, there are simple ways to teach kids about money and help youngsters learn smart saving techniques. Here are some approaches to teaching children the valuable art of saving.

1. Teach kids about money with actual money

In a world where anything can be purchased with the swipe of a card or typing of a password, the simple reality of cash can help teach the value of a dollar. That’s why using physical currency can be a smart way to teach kids about money. Counting coins and bills can also help preschoolers with hand-eye coordination and math skills.

2. Pay your kids a commission 

Kids are like little sponges. They absorb everything around them—especially the things their parents are intentional about teaching them.

But here’s the thing: Many parents today are so centered on what their kids want that they lose perspective on what their kids really need. And what kids need more than stuff—what will benefit them most over the course of their lives—is to understand the value of hard work.

Teaching a child to work is not for our benefit as their parents. We teach kids to work because it gives them dignity in a job well-done and the tools and character to win as adults. They might complain now, but someday, they’ll thank you.

The worst thing a parent can do is to become a human ATM, handing out cash whenever little Timmy wants to buy something. What parent likes that, anyway? But that’s kind of the idea behind a traditional allowance. You give your kids money whether or not they’ve earned it. Even the word “allowance” implies a child is entitled to a certain amount of money just for living and breathing.  And here’s the best part: Hard work is an antidote to entitlement—and key to learning the value of a dollar.

What We Know as Adults We Learned as Children—Your Kids Will Be No Different

There’s a way to teach kids that money comes from work, and you can start when they’re as young as 3 or 4 years old. Want to know what it is? It’s the commission system, and it’s actually really easy to do!

First, keep the jobs and the pay age-appropriate. For example, pay your 3-year-old a quarter if they put away their toys or 50 cents if they make their bed. Don’t worry about quality at this point. Just make a big deal about completing the job, do a little cheer, and pay immediately. Then they’ll make the connection between working and getting paid.

3. See the savings

Using a clear container as a bank can help give kids a sense of accomplishment watching the coins and dollars stack up. Make goals visible by marking a line on the side of the container as a target to reach. Not only does this teach children about saving, it makes reaching goals exciting and fun!

On the other hand, let’s say you have a 10-year-old. Give them more responsibility and independence to succeed or fail. Assign a list of chores they need to complete throughout the week, like feeding the dog, washing the dishes, or taking out the trash. At the end of the week, add up how much they earned based just on the jobs they actually completed, and pay out that amount.

If you start your kids on commission at a young age, they’re off to a great start for earning money outside of the home as teens. And that work ethic will stick with them into adulthood.

4. Teach children to allocate their savings

To introduce money management, as well as delayed gratification and charity, encourage your child to divide their money into three piles: savings, spending and sharing. You can do this online with the website Threejars.com, where kids can track their earned allowance and even earn interest on savings.

5. Set saving goals

Help your child develop savings targets to make sure savings isn’t an open-ended concept. The first goals should be reachable, fun and defined by both the parent and child. Sure, it may seem silly to save for a small toy, but the sense of achievement is worth it.

6. Teach kids about saving money in a bank account

As your child matures and has accumulated at least $100 in long-term savings, look into a bank savings account. Most major banks offer children’s savings accounts that can be opened online or at a local branch. A trip to the bank may be a new and fascinating experience for your child, inspiring a sense of maturity and financial responsibility. It’s also a great time to teach kids about other money concepts, like interest and risk.

7. Have conversations about saving

The best tool for money management is conversation. Parents should talk to their kids about money matters like budgeting and investing. Aim to mirror good money behaviors, but remember it’s also okay to admit to your own money mistakes.

Show your kids what smart money management is. Visit Nationwide Bank for information on banking, investing and more.

Fight of Your Life – Post 503

Are you prepared to fight for your dream?

For years, I end my speeches with… 

If you want a thing bad enough to go out and fight for it,
to work day and night for it,
to give up your time, 

your peace and sleep for it…
If all that you dream and scheme is about it,
and life seems useless and worthless without it…
 
And if you gladly sweat for it and fret for it
and lose all your terror of the opposition for it…
 
If you simply go after that thing that you want with all your capacity,
strength and sagacity,
faith, hope, and confidence and stern pertinacity…
 
If neither cold, 
poverty, 
famine, nor gout, 
sickness nor pain, of body and brain,
can keep you away from the thing that you want…
 
If dogged and grim you beseech and beset it,
with the help of God, YOU WILL GET IT!
Be prepared to get hit, but hit back harder.
Stay the course. Victory is Yours!
Go Fight For Your Dream!

-Les Brown
Mamie’s Baby Boy

3 Words that can Change Your Life – Post 502

You’re gonna die

Memento Mori’ which is Latin, it means, “Remember your death.” There’s a quote from Marcus Aurelius, the Roman Emperor and he wrote, “You could leave life right now, let that determine what you do and say and think.”

You’re gonna die! 

This could be my last podcast, the last show in my life. You know, the last time I talked to my wife could be the last time and you’ve got to let that determine, you’ve got to let that shape, death should, the thought of your mortality and death, not in a depressing way, should shadow everything that you do because it’s the only way to make sure you do it right.
The three words, “You’re gonna die,” that should let you cut out bullcrap. That should let you decide how you’re going to treat other people and let yourself be treated. And it should determine the quality of the work that you’re going to do.

Think about this, when the police lights go on behind you, you’re scared shitless. You change your behavior. Then the car drives by you, right? And then for like three minutes, you’re like, okay under 55 now, and then you know four minutes later you’re going 73 again, right?

And that’s how I think people do it in life.

Something bad happens, they hear something, they see something and they’re like oh shit.

We should live under the mindset of, you’re gonna die.

It’s like you hear about a friend who has cancer, and you think like What would I do if I had cancer, right?

You do have cancer.

You’re gonna die.

You just don’t, you just don’t, first off because lots of people do get cancer, so there’s a real chance the cells, the cells are already in your body, right?

Yeah, but like you do have a fatal diagnosis from a doctor, He just can’t tell you if it’s six months or 60 years.

But you know you are definitely, a hundred percent going to die and it could be tomorrow so what are you going to do with that information?

You’ve got to play the game of life as if you’re gonna die tommorrow.

What legacy are you going to leave for yourself.

I push so hard, so hard, and will through my vehicle. Which isn’t meditation, which isn’t golf or sports,

My vehicle is entrepreneurship.

I can’t help it. It’s what I love.

I love building businesses.

I Love competing in that arena.

I love that game.

That’s my vehicle. It’s the fear of getting old and having regret. Regret that I didn’t push myself to succeed, to be all that I can. To live as if I was going to die tommorow.

Stop making excuses,

stop complaining,

nobody’s listening.

They may pretend they’re listening, the market doesn’t care.

What you need to do is make one person happy:

You.

Then you can make everybody else happy.

I implore you to take this last little rant and really look at yourself and understand, are you doing the things in life that are putting you in a position to succeed?

Not just in a business world but in life.

Are you living in all areas of your life as if Your Gonna Die.

One life, my friends. One time.

 

 

 

10 Reasons You’re Flat Broke (and What You can Do to Fix it) – Post 501

10 Reasons You’re Flat Broke (and What You can Do to Fix it)by Patrick Chism October 20, 2015 Saving Money

If your bank account looks like one of those western movies where the tumbleweed drifts by, you may have a money problem. Before you throw your hands up and accept that this is your lot in life, consider this: Spending your hard-earned money wisely isn’t for the faint of heart. In fact, more than half of Americans are struggling with this discipline, living paycheck to paycheck with no savings to speak of. That’s right. Your average American is one flat tire or one sick cat away from catastrophe. It’s time to take a hard look at the decisions that got you here, as well as the way you’re going to abandon this sinking financial ship for something better. Let’s take some time to recognize the reasons you’re broke, as well as ways to develop strong financial habits.

You Don’t Know Your Money
If I asked you about your finances, including your debts, your savings and your assets, would you be able to come up with an answer? Better question – would you be satisfied with that answer? Knowing your money is an important first step to saving. You’ve got to understand how much you’re making and how much you’re spending, and the only way to do that is to create a budget. It doesn’t matter if you’re making minimum wage or sporting a six-figure salary; if you don’t know your money, you won’t be saving much. And statistically, a measly 32% of our fellow Americans are keeping track of their expenses every month.
This mainly comes down to the fact that budgeting is, without question, one of the least sexy things to do. With the exception of me and few other masochistic money crunchers, no one gets their jollies from building a budget. We like spending money and we like the idea of saving money, but we don’t want to take the time to see the way our finances are being used. Furthermore, it’s downright scary. Budgeting requires us to recognize our debts (our college-graduate audience just gulped) and make a plan for the future. This is the first and most important lesson you must learn if you plan to pad your wallet with more than lint.
You’re Not Talking about Money

We don’t like it when people ask us about our money. Our culture has an overall problem with this, thinking it a social faux pas to openly discuss finances. In fact, 44% of Americans say that talking about personal finances is the most challenging type of conversation. Seriously – we’re more comfortable chatting it up about death and politics than we are about money. And this doesn’t just pertain to conversations with strangers; we don’t like talking to our spouses or significant others, either. And when we’re not communicating about our money, we tend to run out of it. This, in turn, stresses everybody out. According to a survey by SunTrust Bank, money is the leading cause of anxiety in relationships. It’s also one of the leading causes of divorce. Money talks are an imperative part of our relationships, so we need to learn how to have them.
Accountability is one of the best ways to cut through the stress and set financial goals. It’s essential that you and your spouse are talking when it comes to these decisions. Take a page out of Dave Ramsey’s playbook and set up a time to budget each and every month. Together. Be aware of your money and talk about your mutual needs and desires.
No spouse? No problem. If you and your business partner, friend, child, neighbor, stranger – whatever – set financial goals for each other, you’ll be able to hold each other accountable. An accountabili-buddy forces you to actively speak about your money. And when we talk about it, we’re more likely to act on it.
You Don’t Have Mad Skills
With all the talk we’re hearing about student loan debt topping $1 trillion, a lot of people are wondering if getting a degree is worth the trouble. But according to David Leonhardt in an article from The New York Times, “Yes, college is worth it … For all the struggles that many young college graduates face, a four-year degree has probably never been more valuable.”
He’s referring to the fact that college graduates, on average, “made 98% more an hour … than people without a degree.” In other words, if you’re flat broke, it may be partially due to the fact that you don’t have a college education. Going back to school will typically allow you to make more money in the long run.
Even if college isn’t your thing, there are several high-paying skills you can acquire. One of my favorite financial writers, Mr. Money Moustache, has an excellent article about higher-paying careers that don’t necessarily require a traditional college education.
You shouldn’t run toward a career simply because of the salary, but you need to consider the money you need to make and how your job is going to make that happen.
You’re Not Saving or Investing
Your money doesn’t belong under your bed. It needs to be set aside and gaining interest. Many financial advisors suggest that you prepare an emergency fund for a rainy day (3–6 months of living costs). However, finance guru Ramit Sethi (you should really check out his blog) suggests that simply telling yourself to put an emergency fund together rarely works because it “produces little behavioral change.” Instead, he argues, you should be automating your account so a specific amount goes from your checking to your savings account every month. This forces you to start saving money. And who needs good financial habits if your bank is doing them for you?
Another trap that the broke and beautiful fall into is leaving all of their money in savings and checking accounts. The problem with this is that these accounts accrue incredibly low interest. Your savings account isn’t going to earn much more than 1% interest (and that’s on the high end). Instead, you need to be looking at opportunities to invest. Whether you’re looking at investing in the stock market (which is still a good option) or jumping into the real estate game, looking for opportunities outside of savings accounts is essential. If you’re planning correctly, the interest you gain from these investments should be your main source of income during retirement.
You’re Glued to the Tube
This one’s more of a public service announcement. Quit watching so much television! Right now, Americans are watching an average of five hours of television per day. That means, throughout a single week, you’re spending 35 hours watching the tube. That’s more than a whole day. You’re only spending 5.5 days living and the rest of your week caught up in a fictional world.
Thomas Corley, author of “Rich Habits,” found that 77% of those struggling financially “spend an hour or more a day watching TV,” and 74% are “spending more than an hour on the Internet” for recreational purposes.
So get off the couch and get your mind working. The television is where your finances go to die.
You Tried Keeping Up with the Joneses
If you want to start saving, you need to ignore the Joneses. This may seem like incredibly obvious advice, but for most of us, looking over at the neighbor’s yard or the coworker’s cubicle creates a pretty big temptation. Financial columnist Knight Kiplinger explains that “the biggest barrier to becoming rich is living like you’re rich before you are.”
Keeping up with the Joneses causes all kinds of financial follies. It’s likely one of the largest triggers for those impulse buys we accidentally make. The best way to ignore the Joneses is to cling to your budget. If Mr. Jones goes out and buys a new car or a new house, and you also want a new car and a new house, you first have to consult the budget. And if the budget says no (due to being used for other commitments and goals), then you’re out of luck. It’s much easier to get yourself under control when you can blame the budget. Find out what house you can afford with a mortgage that is right for you.
You’re Playing the Lottery
The fact that we need to write about this one is just depressing. But Americans spend more on the lottery than, well, just about all other forms of entertainment. This includes sports tickets, books, video games, movie tickets and music. We spent $70.15 billion playing the lottery last year.
First of all, it’s incredibly unlikely that you’re going to win. According to our statistician friends at the Huffington Post, the “probability of winning the jackpot is 1 in 175,223,510.” That’s a difficult number for us to wrap our heads around, but the fact is that you’re statistically unlikely to ever win the lottery.
But, of course, people will always argue with this information, responding with the age-old “well, someone has to win” logic. Don’t get caught up in this trap. Yes, that’s technically true, but for every person that wins, there are millions and millions of losers.
Low-income households (incomes under $13,000), on average, spend $645 each and every year on lottery tickets. That comes out to be 9% of their annual income. If, instead, they took that money and invested it (considering a 7% interest rate) every year for 40 years, they’d walk away with $147,436.77. That breaks down to over eleven years of their current annual salary.
Instead of the lottery, save or invest that money. It may not seem as pleasurable at the moment, but your future self will thank you. In the words of Dave Ramsey, “Live like no one else, so later you can live like no one else.”
You’re Carrying High-Interest Debt
There are two different kinds of debt: good debt and bad debt. If you’re trying to decide if your debt is evil or benign, just check out the interest attached to it. Good debt usually refers to student loans and mortgages because these are low-interest debts. Another attribute of good debt is that the purchase gains value over time. For instance, by paying for college now, you’ll be able to get a higher paying job later. Therefore, good debt also includes small business loans and loans used to purchase real estate. Sure, there will always be a risk involved with this kind of debt, but it can potentially help you financially down the road.
The other kind of debt – the bad debt – is largely made up of credit cards and car loans. Playing with credit cards is a dangerous, albeit necessary game. Credit cards are a great way to build your credit score, but if you’re going to use them, you should pay them off at the end of the month. All of it. No exceptions. There are a many advantages to credit cards, but only if you use them correctly. Make sure you’ve studied up on correct credit card behaviors before making the plunge.
Car loans on the other hand, are just ridiculous. That’s not a popular viewpoint, I’ll admit, but hear me out. New cars are incredibly expensive, and the second you pull off the lot, the “new” vehicle is dropping in value. Holding debt on property that’s plummeting in value is never a good idea. Save up and purchase your car in cash. Remember, you don’t have to keep up with the Joneses.
You’re Paying for Bad Habits: The Costly Three
Before you buy your next pack of smokes, consider how much you’re spending on these “necessities” each year. If you’re puffing away at a pack each day, you’re spending upwards of $5,000 a year. That’s the cost of a new (used) car!
Also take some time to consider the cost of your alcohol consumption. The average American has four drinks a week. If you’re having these drinks from the comfort of your home, you’re probably not paying too much. But if you go out and purchase these drinks, it’s going to cost you over a grand a year. And what if purchasing and consuming alcohol is more of a passion than a hobby? Four drinks isn’t really that much. If you’re getting more drinks each week, this number will skyrocket. This calculator will help you look at the real cost of your drinking.
Eating out is the last, but certainly not the least, of the costly three. The average American family spends $225 each month eating at restaurants, fast food establishments and perhaps the occasional pub. That adds up $2,668 a year. Take a moment to think about that, and then step slowly away from the chicken nugget.
On top of all these things, don’t forget about medical bills! Poor habits are not just expensive on the surface. They’ll follow you around for years. Yeah, if you feel broke now, just wait until you have to visit the doctor.
You’re Whining Instead of Winning
More than all of these things, putting cash in your bank starts with the right attitude. Pouting shouldn’t be your first reaction to an empty wallet. If you spend all of your time blaming others for your circumstances, you’ll never see the opportunity to start saving money. Yes, some people are born with more privilege than others, and some people just have terrible luck. Whining about your position isn’t going to change it. Instead, use that energy to make a plan or to tweak your current lifestyle. Simple changes can make big results when you’re trying to save money.

Career Frustrated Pharmacist – Post 499

When I started in pharmacy school the professors talked about all the possibilities in the pharmacy industry. We were told that we would have clinical patient care jobs and that we would know everything needed about medications to prevent poor outcomes.

Most Trusted Profession
We were given opportunities to present our knowledge to patients and help them one-on-one and this is something that really appealed to me. I think most every pharmacist can remember the first time that they made a difference in someone’s life—maybe you answered your first question about a medication or one of your relatives reached out to you about the 17 medications they were taking.

Today, whenever I talk to pharmacy students about the profession and ask them why they chose this profession I hear similar answers. It’s usually something to the effect of, “I went into a pharmacy and loved what I saw,” or something like, “I really want to make a difference in patients’ lives.”

I totally get that. That was me.

But what happens when these idealistic students get out into the workforce is dramatically different. In fact, an article from a few years ago stated that a majority of pharmacists in the community setting today want to quit their jobs.

New practitioners either get a residency or go straight into the workforce. Whatever path they choose, they usually come into their new job with all sorts of ideas, and passion and excitement about getting their career started.

Then, they experience what I like to call “career fatigue.” Because they are surrounded by patients, coworkers and bosses who tamp down their excitement and passion. They begin to become “adjusted” to how things “really are” in the workforce.

When they are surrounded by all that negativity, it’s understandable that new pharmacists would lose their excitement very quickly and experience burnout within just a few years of starting their practice.

Instead of a profession where we feel like we make a difference, it becomes a J-O-B.

When we started as students, we chose pharmacy as a career—not a job.

Here are some of the things you experience when pharmacy becomes a JOB:

  • You can’t wait until you shift ends—every single day.
  • You can’t stand talking with co-workers and bosses anymore.
  • You get frustrated easily when talking with upset patients.
  • You’re so ready to quit, but you have no idea how you would transition into another pharmacy job that would provide you with the freedom you seek, if such a thing even exists.
  • You say to your friends outside of pharmacy that their job sounds super interesting and warn them against ever becoming a pharmacist.
  • When you speak with interns who come to your store, you are pessimistic. You talk about how saturated the market is and how difficult it will be for them to payback their loans.
  • You don’t do any extracurricular activities that are related to pharmacy because thinking about pharmacy more than you have to is painful.
  • You haven’t updated your CV in more than five years, and it isn’t because you haven’t applied to a job—you just haven’t accomplished anything significant to put on your CV.
  • You apply to more jobs that you can count and receive no response.

A job is something that causes stress, provides little fulfillment and isn’t indispensable to a company. The problem with so many pharmacy “jobs” is that you are dispensable.

One great thing about our industry is that we have such a high starting salary; but on the downside, the majority of pharmacists are replaceable.

It is a lot easier replace one pharmacist at a Walgreens in downtown Seattle than it is to replace someone like an architect.

Yes, both jobs have learning curves. And yes, both jobs require a period of adjustment. But overall, a pharmacist who has worked at any retail chain can figure out the system at any other retail chain with ease.

Because pharmacists often aren’t specialized in their own niche and don’t provide themselves with a career that makes them unique to a company, it’s relatively easy for companies to overlook us when we are applying to new jobs.

Having a job that is sucking the life out of you is difficult. It makes it hard to manage everything else in life, simply because you’re miserable. You spend the majority of your time thinking about what you’re going to do outside of your day job, and you spend your time away from your day job dreading your return to your day job.

It’s an awful way to live!

To relieve the stress of how much your job sucks out of you, you begin to focus on things that bring you a little sense of relief and pleasure. Some get lost in video games when they’re not fulfilled by their work. Other people turn to hobbies or more dangerous pursuits, like illicit drugs and alcohol.

If you hate your job, the idea of trying to improve yourself and your career situation by volunteering for an association—or even volunteering to stay late or take on an extra project at your work—probably sounds absurd. That seems like a path to more misery.

Your ability to tolerate your job is so low, that to even think about doing extra is painful.

However, the pathway to a career involves a little bit of grunt work and sacrifice for a bigger payout.

What a career looks like:

  • A career is work that gets you excited. When you are commuting to your day job, you think about all the fun things you get to do that day.
  • A career makes you feel satisfied. At the end of the day, you go home happy knowing that you accomplished something valuable.
  • A career has room for advancement, allowing you to see a clear path to where you want to go. Advancement in the kind of projects you are working on and the influence you have on others lives.
  • When you have a career, headhunters and companies are actively trying to get you to work for them.

A satisfying career is possible. I’ve already hinted at how to get started in building your career, but it takes work. It’s not going to happen overnight.

It took me eleven years of searching to find something that I am passionate about and has the potential to replace my pharmacist income.

It took me another three years of hustling, growing, learning. Traveling coast to coast to meet some of the most successful folks, high six and seven figure income earners and learning how they broke out of their jobs. Finally realizing that if a dentist, an alcoholic stock broker, a beautician and a bull rider can do it then I can do it to. I can really control my own destiny, building my own career.

I’ve already helped others find their paths to fulfillment by showing them the path that I am on and walking with them on their path.

I know from experience that it is possible to do something you love while still using all the knowledge you’ve gained from pharmacy, even if it is a non-traditional career. If you want to ditch your J-O-B and create a career that has you feeling excited to get out of bed every day, let’s talk. Let’s take some of that down time to make the transition to a career you love.