Whether exercising, managing weight, saving money, or paying off your mortgage, Benjamin Franklin’s Poor Richard maxim of self reliance nails it.  “Diligence is the mother of good luck.”

• Exercise:  Last year, on the day my little boy was born, I stepped on the scale and was shocked to see the number.  I weighed more than I had ever weighed in my life.  Women talk about pregnancy weight gain.  I think I had pregnancy sympathy weight gain through my wife’s pregnancy.  I decided to start riding my bike regularly.  I didn’t really change anything in my diet — except eating more energy bars (more calories).  After 4 months, I had dropped 15 pounds.
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