We can't count on the Fed to inject this level of liquidity that we saw last year.

I'm used to being productive, ever since I was young.

No matter what your career aspirations are, you should begin by thinking carefully about why you are engaging in any activity and what you can expect to get out of it.

Routinize the routine. The things that aren't important to you, whether it's breakfast or your commute, try to do them with the least energy possible so that leaves you with more energy for other things.

Everyone knows that exercise can improve your health. Exercise is a key part of managing your weight and maintaining healthy hearts, lungs, and other bodily systems. But did you know that exercise can make you more productive? The latest research shows that a regular exercise routine can make you happier, smarter, and more energetic.

Most people get overwhelmed by the insignificant decisions of their lives. I'm urging people to minimize the time spent on these when they're not critical to their most important goals.

The night before, go over your schedule and see what you're going to do and what the purpose of what you're doing is. I advocate having a two-column schedule. On the left, put down all your appointments and phone calls. On the right, put down what the purpose is.