Life is busy, life is messy, we all wear many hats and find ourselves encumbering many roles, but when do you say enough is enough? Do you ever find yourself awake at night because you feel anxiety about all the things you have to do, literally the "to-do" list is...

Caveat: I am NOT a financial expert in any way, shape, or form. I am however a habitual HR brown bag attendee and question asker and the lucky recipient of a lot of sound financial advice during my time in the foreign service thus far, which I will now impart to you....