10d • General discussion
Don’t Clock Out Just Yet
We’re in that weird, dangerous zone: too early for holiday mode, but close enough that people start mentally clocking out. Budgets get sloppy, goals get blurry, and suddenly the plan becomes “I’ll sort it in January.” But here’s the truth winners understand, the habits you build now decide how strong you start next year. If you tighten up your spending, check your borrowing power, and line up your property goals before December hits, you walk into 2026 already ahead of the pack.
Most people slow down because the year is ending. The smart ones speed up because the runway is clear. No noise, no competition, no excuses, just space to sharpen your plan before the world goes into holiday chaos.
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Don’t Clock Out Just Yet
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