Meet Jayne. Fresh off a Florida Halloween weekend and an extra hour from the clocks, she asks what you did with it, plus five meals that take about five minutes.

Richard says this week does not need a miracle. It needs a decision. Here is the plan to stop drifting and attack the week.

Business is slow and the bills are not. Richard speaks plainly to anyone scared this Monday: you do not have to feel fearless, you just have to refuse to quit.