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When you finish reading the book [Today Matters], take the daily dozen and list them in order of how well you do them. For example, the one that I would put at the highest for me is attitude or relationships because I'm really strong at both of those. At the bottom would be health. What I tell people is, "Take one month and work on one of the daily dozen for a whole year. " And so it's really a one-year personal growth plan.

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It is a fraud to borrow what we are unable to pay.