"Keep raising the bar with readiness, not just for the here and now, but for tomorrow." I’ve learned over a lifetime of ups and downs that happiness is a choice; it’s a practice. Pamela ...

Sean Ross is a strategic adviser at 1031x.com, Investopedia contributor, and the founder and manager of Free Lances Ltd. Cierra Murry is an expert in banking, credit cards, investing, loans, mortgages ...