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Whatever your circumstances, do you acknowledge and say, “Thank you for a lovely, sunny day?" Or a cool day? Or a rainy one? Do you make time? Or do you have a lifestyle that allows you to make time to enjoy the sun, go and walk out in the rain?

I have found both as a coach and in my personal life that asking the question, “are you prepared to die?” is essentially a more interesting way of getting people to select and write their goals, and to create a plan for the year ahead.

If you are unconsciously holding values that have been passed down through your family, or influenced through politics or even societal situations and the environment that you were in at the time history - and you are unaware of that - you could be passing those values unconsciously to your children.

We’re not just born with a spreadsheet and abacus in hand. We need someone to teach us money skills, and money mindset for that matter. What did you learn from your parents or guardians and which of those lessons is actually relevant and positive to you now?

In my book, The Wealthy Retirement Plan, I talked about “The Four M's.” These are the different ways that you can spend your time, and this could actually help you focus on how you want to shape your legacy.

We all know we need to track our budgets, turn down the thermostat and buy energy-efficient devices. But what about the little things? Things that might slip your mind but add up over time?

You read the title: if we're going to talk about stealing time, we have to talk about television. Many people go on about how awful television is, and there's a fair degree of truth to that. But I enjoy watching TV.

Turning lemons into lemonade is certainly possible even in seemingly hopeless or overwhelming circumstances. With all that said, learning to be adaptable is a crucial skill in ensuring that the life that you want to live stays the life you want to live.

There are people who talk about the fact that life is naturally on a cycle, and that we can't be happy all the time. If you're going to be happy, you have to have sad days; I don't subscribe to that.