Laying the groundwork for financial successI Will In 2021:10 goals to set for this yearA new year presents new opportunities to set goals. Whether you’re focused on growing professionally or personally, here are 10 to consider for 2021:1. Develop a productive morning routine and follow it daily. 2. Read one new book every month. 3. Complete a 30-day fitness challenge. 4. Create time on your calendar for a new hobby.5. Learn a new skill that will help you at work. 6. Write a 5-year career plan. 7. Reduce screen time; increase me time. 8. Sign up for a 5K or another competitive athletic activity. 9. Donate a household item that you haven’t used in the last year. 10. Make time to meditate for 10 minutes a day.To ensure success, use a SMART goals strategy (specific, measurable, actionable, realistic and timely); hold yourself accountable by writing goals down; and when you achieve a goal, try making the next one a little harder. — B.M.