Simple steps to get financially fit in 2021

Happy New Year, Fools!

Welcome to 2021.

Frankly, I’d hoped for a cleaner, COVID-Community-Transmission-free, transition from last year to this, but turns out we don’t always get what we want. How very 2020.

Speaking of which, It is worth remembering that on this day, last year, we’d kind of heard of a new respiratory virus out of China, but had no idea just what a wrecking ball it would be.

Indeed, our time and attention was taken up primarily by the threat — and reality — of bushfires, unprecedented in size, scale and ferocity, that were menacing much of the country.

Yes, I know everyone is sick of the retrospectives.

My point, though, is a slightly different one: If we didn’t know what was coming on January 1, 2020,…