It is hard to believe we are already near the 4th quarter! This year has gone remarkably fast already and generally it just speeds up from here! I have been disappointed to see my income on a slow steady decliner particularly when compared to last year. There are several reasons for this and we will explore some of these in this post. I will also revisit this in “what I learned” toward the end of the year! For now, however, let’s talk more about August!