Having just been caught in the moment of New Year’s and setting our goals for 2025, it’s now time to toss them out the window – if we haven’t already.  I mean, seriously, when it is a challenge to even predict a day ahead, how can we possibly predict the year ahead?  We can all probably look back to one year ago and see how impossible that is.  As the old Yiddish adage goes, “Man Plans.  God laughs.”