Early Mornings, Late Starts…

Finding the time to create a blog while juggling a full-time job and two kids under two years old is challenging to say the least.  Running on three hours of sleep and a long day ahead seems to be the norm, and the only thing keeping me alive, it seems, is a luke-warm attempt at coffee and an AC that is, for whatever unknown reason, blowing full speed in 35 degree weather.  Think about the consumer, please, CFA…just sayin’.