We have worked all year to take next steps. But it is easy to get caught in THE GAP. Sometimes, when we are working toward a big goal, we only see all that is still in front of us. Let’s turn around and review the whole year and see how far you have come in your planning and let’s close THE GAP. You will then see the real progress you have made for your family’s future. Then you can be energized as you develop new goals for 2022.