Learning to quit while you're not ahead, when the dull ooze of depression tells you things are not going to get any better, is one of the best financial and life skills you can master.

I've developed the habit of mentally listing things that make me optimistic about the future. I do it every day.

When you meet people, show real appreciation, then genuine curiosity.

The heart is a tender but hardy organ. Daring to have a wonderful experience, even though you may get hurt, is the only way you'll realize its deepest desires.

Do whatever work feeds your true self, even if it’s not a safe bet, even if it’s like a crazy risk, even if everyone in your life tells you you’re wrong or bad or crazy.

Dawn Kotzer is the kind of coach who can see beauty and wisdom in circumstances that seem ugly and chaotic. She's kind, genuine and honest, willing and able to see where her clients get stuck and gently help them recover their freedom. Better than a coach who gives you the answers, Dawn will help you find the answers to your life's dilemmas that are already within you.

Imagine what you'd do if it absolutely didn't matter what people thought of you. Got it? Good. Never go back.