It's pretty common in your 20s and 30s to feel like you're treading water financially – dealing with the immediate bills and expenses and not thinking too far beyond the next year or two. But this is the ideal time to think about the financial objectives you want to achieve. The best rewards don't come without risks, and there's no better time to start setting goals and taking chances.

In an interview, it's hard to anticipate what questions an interviewer will ask, but there is one that they are guaranteed to ask every single time (and it may be the most important question of the interview): "Do you have any questions for me?"

As we approach the end of 2019, there's no better time to reflect on the past year and prepare for 2020. This is especially true if you work from home: from tax write-offs to redesigning your home office to maximizing productivity, there's a lot you can do to make 2020 your most efficient year yet.