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For a world-class bobsledder, tiny details make all the difference. When shooting down an icy track at thrilling speeds, something as miniscule as a loose shoelace can have a devastating impact. Attention to these tiny, almost insignificant…

A lot of us try to begin each year with some solid financial goals. Some spend hours planning out the “perfect” budget and others resolve to count every single penny. For a while, everything may go to plan, but then life happens. A lot…