Hello everyone. Welcome back to another month of exciting events and fun in the year 2020. Well, the year is almost over, and we can only pray that 2021 will bring a brighter future for everyone. Many people went through some different trials and tribulations in 2020, while many people had time to do a lot of reflecting and adjusting their lives to compensate for the ever-changing social and economic occurrences due to current events. Some of you may know, while many do not, that I have been on a 4-year journey in the effort of achieving my Doctorate in Psychology. Well, in September of 2020, I was finally awarded my Doctorate! It was a long journey and a struggle at times, having to attend full-time school while working a full-time job. How did I do it? Well, it took goal setting, motivation, persistence, good habits, dedication, and a bunch of discipline—all of the same habits that are taught and instilled in the military. So, I thought it would be appropriate to share some tips this month on goal setting, so anyone wanting to achieve their dreams can turn them into their reality. NOTE: This applies to anything in your life; finances, education, employment, buying a home, planning a vacation, saving money, or anything you want to achieve. So please apply it accordingly!