“I want to live my life so that my nights are not full of regrets” (D. H. Lawrence). Define what you desire to acquire intangibly so tangible manifestations become indirect attainable acquisitions. Personal development multiplies directly based upon our return on effort (ROE), return on time (ROT), and return on investment (ROI). Give more of what you already have in order to strengthen or receive additional desirable life-enhancing qualities. Don’t wait to acquire talents, skills, and abilities before starting, lest stagnation and procrastination turn into regret and regression.

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