Like many of you, I have been highly focused on end-of-year budgeting and planning leading into January 2017.

Every single thing we do each day is defined as a process. When you get up in the morning until you go to sleep at night, each thing you do is a process.

Tell somebody that you’re planning to make a plan, and you’ll get some snide looks. But tell somebody that you have a good plan in place, and it instills a sense of preparation and confidence.