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How to take control of your time next year.

Good morning, money nerds, and welcome to the second-to-last day of the year! Here at Apex, it’s just a day like any other, which means I’ve gathered some recent cool money news to share with you. Take a look!

How to take control of your time next year. [Women Who Money] — “In my daily routines, I get urgent tasks done. But I wasn’t using blocks of time or scheduling consistent time to work on my resolutions or goals. Nor was I giving a time limit to mindlessly scrolling social media or checking emails.”

Daily habits that can change your life forever. [Becoming Minimalist] — “The direction of our lives is decided more by the daily choices we make than anything else. And these choices are more influential to the person we are becoming than we often realize. Habits become ingrained, automatic, and often slowly creep into your life so subtly that they become routine. So if you want to change your life, start by changing one thing that you do each day.”

Do retirees want constant, increasing, or decreasing consumption? [research paper from the Center for Retirement Research at Boston College] — “When households have assets and their health, they keep real consumption relatively flat over their retirement. This pattern is evident when comparing wealthy and healthy households separately and when the top tercile is ranked by health status. For those with less wealth or with health issues, consumption declines more over time…But the results suggest that the decline most likely reflects wealth and health constraints as opposed to true preferences.”

That’s all I have for you today. Come back tomorrow for one final Apex installment for 2021. It’s gotta be good, right?