… the deathly process of doing the same thing in the same way at the same hour day after day, first from carelessness, then from inclination, at last from cowardice or inertia. Luckily the inconsequent life is not the only alternative; for caprice is as ruinous as routine. Habit is necessary; it is the habit of having habits, of turning a trail into a rut, that must be incessantly fought against if one is to remain alive.
— Edith Wharton
Edi Alvarez, CFP®
BS, BEd, MS