If you could use one word to describe 2020, what word would you use?

For me, that word is, grateful.

In a year where the pandemic created major upheavals in both the financial markets and our daily lives, I’m grateful that the habits that I created for myself around personal finance and lifestyle over the years, helped me ride through the waves of disruptions brought upon by Covid-19.

While I did not manage to hit any of my learning and development goals and disrupted my fitness transformation plans that I’ve set for myself in 2020, I’m grateful that I didn’t lose any money in my investments.

I started reading Atomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Ones by James Clear and his book resonated deeply with me on how stacking good habits together can become a systematic approach to achieving our end goals.

As such, I’m not setting goals for myself in 2021. I’m going to try to create meaning habits and stack them together to create a better me.