“I feel it in my fingers… I feel it in my toes… that 2014 is going to be an awesome year! I am going to lose 5 kg/squeeze out the 6-pack abs/save 30% of my salary every month/learn a new language/learn to invest bla bla bla… ” With 2 days to go before Christmas, it’s time for everyone to make some wishes and maybe even *drumroll*…some new year resolutions. Unfortunately, these things are just like setting up a business, in the sense that 90% of them eventually fails. Yeah, the gym is going to get crowded for the first few weeks of the year and some of us will be trying to stick to some new fad diets. However, all of this is likely to peter out by the end of January, isn’t it? So am I saying that setting goals and new year resolutions do not work and that one shouldn’t bother with them? Quite the contrary. Instead of ......