Each December, classify 50 people: adds/drains/neutral — adjust your time.

Define where your "good enough" is on a 0-100 ruler, to know when to stop.

Sort tasks on urgent/important axes and treat each quadrant with its rule.

Allocate income: 50% needs, 30% wants, 20% savings/investing/debt.

Do not commit on the spot. Request 24 hours to think before any new obligation.

Decline any meeting without a written agenda — politely cancel and request one.

Balance investment across the core today, near growth, and long-range bets.

Review every app with access to camera, microphone, location, or contacts, and revoke every permission not actually needed.