Small changes can make a huge difference

Money worries are the top barrier to getting a decent night’s sleep. Restful sleep is the foundation of
happiness. But many of us aren’t getting a good night. Money worries are keeping us awake. There seem
to be three core groups of money worries. One, those who worry they are financially insecure. Two,
those who worry because of their current financial situation. Three, the long term worries. Almost any
financial worry can be reduced over time. The smart thing to do is channel worry into planning and
action. That converts worry into energy and improvement. Relatively small changes can make a huge


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