You are the powerful, confident creature in most areas, but it's good to know your strengths AND your weaknesses. In 2020 money may well not be a weakness per se for you, but other people are much better at it and will steer you right. It would do you well to be extra, extra careful with your money this coming 2020 year. You don't have to hide your life savings in a coffee can in the back yard or anything like that. But what you do want to do is give any - and we do mean any - financial decision a three part decision making look before you do anything. You need to scrutinize your choices at least three times before you jump into anything. This could be on any scale; nothing is too small to resist this scrutiny. Making bad money moves this year could be a catastrophe, so watch out for this. And those other people who are better with money than you? This is the time to consult them and ask for help. Even Warren Buffett does this.
January 2020 is the perfect time to ask for that help. Early in the month, you should set up an appointment with a financial advisor. Get in there and ask every question you might have about what you're doing with your money and what you should be doing in the future. They're probably going to come back to you asking what your financial goals are. No idea? It's okay. Take a good stab at what they are as your starting point, recognizing that you'll no doubt firm up your idea of your goals as you progress through the year. Make another appointment with them for August. That gives you enough time to process the data you're taking in now and course correct if need be.
The opportunity for some big financial decisions will present itself in March 2020. As mentioned earlier, you're going to want to give some heavy thinking on these decisions, seeing what you'll want to do. Give them the three-part look and see what makes sense. Again, get some help if it makes sense for your situation. Maybe pull in a financial advisor, or even just a trusted friend who seems to have their money together. Keep your eyes open in April and May for more of these decisions but don't feel like you have to rush into any of them.
If there's any time in 2020 for you to take a risk financially, Leo, it would be in the autumn. September is when the stars are shining on you to take chances, should you decide you want to. This doesn't mean you have to invest in anything risky if you don't want to, but the means are there if you want to stretch just a little bit. Given how much of the year is about you being cautious and hyper-rational, a bit of looseness might be just the thing you need. Look into a fun, larger purchase at this time that you think might bring you joy. It's a good time to splurge.
November and December 2020 will be a good time for financial reflection. Again, you may want to bring someone in to look at what you've achieved and what you might like to do with the following year. You're hopefully trusting your decision more at this point, but it'll be good for you to continue to keep a level head and not rush into anything. And now you have a bank of experts that you can consult when you have any financial questions. You're practically Warren Buffett.
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