WHAT IF I SAID you can change your life for the better, and that all you’ll need is a gazillion dollars, a whackload of planning, and years of back-breaking effort? “That’s not very helpful or surprising,” you’d say. Most of us have limited resources—not only money, but discipline and energy and time. Sure, it’s great to have one big goal for the year, but anything more than that and you’re courting disappointment.

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