Saying that 2020 has been a wild year is like asking when things will go back to normal. However, there is much to draw from what each of us has experienced this year, and much much more to be thankful for. Considering this I wanted to outline some things I jotted down from day to day that seemed to be recurring, and a brief summary of some of those notes. 1. Etiquette on Zoom matters just as much as it does in person. If an action prohibits proper eye contact (chewing/eating, distracting backgrounds, etc.), it’s likely that it should be avoided if possible. 2. Fear isn’t just driven by something, it’s normally also tied to something. 3. Debt is a burden. Having no debt includes the elimination of its burdens. 4. Having a capital foundation or required reserve system as a part of your cash flow supports your cash reserve over the long term regardless of economic conditions. Summary: It’s amazing to think that in March of this year it seemed U.S. financial markets were experiencing anywhere from 2% to 5% declines on any given day, and sometimes consecutive days. Now we sit here in August and the S&P 500 is nearing all-time record highs. That point alone is eye opening.