Leaping with the excitement of starting a new decade as well as a new year. Research shows that either birthdays or the beginning of a new year is a perfect time to begin a financial plan. Start the steps to achieving your dreams and goals, Now! Even if you've tried unsuccessfully in the past. First, remember that you must start where you are. Too often I hear people say they don't have enough money or assets to worry about how they manage their financial life. So year in and