... factors including person's background, person's education, his/her mindset. Comment from Bret Munsen(@bret_munsen): I've been in business for myself basically since I was 18; I'm 57 now. I've had multiple businesses over the years: roofing, construction, masonry, chimney repair, and restoration. Thanks to the rise of AI, new opportunities have emerged from my years

... Every year I reflect on how I spent money in the previous year