Use each day as an opportunity to get better at something.

Use each day to identify inefficiencies in your day that are a drag on happiness.

Use each day as an opportunity to build equity in your reputation.

Contributed directly to a Roth IRA in 2020 and ended up exceeding the $139,000 income limit?

Make sure to recharacterize the contribution back to a Traditional IRA to avoid penalties.

You can always convert the non-deductible contribution back to your Roth IRA later.

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