Have you made your New Year’s resolutions yet? It’s a common question this time of year when we’re all in good spirits because of the holidays as we anxiously anticipate a new year and a new beginning.

OK, maybe just mostly decent spirits. To put it bluntly, 2020 sucked. Almost nobody is going to look back fondly on the year we’ve had, save for those who experienced a milestone event like the birth of a child or a wedding. For some, a finalized divorce might fit that bill.

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