Without a sound set of rules for yourself, a value system and a moral compass, you'll ultimately make decisions that will hurt yourself and others.

We exert energy and focus on our financial and business plans, but don't devote the time to create a personal life plan. No, not the vacations you want to take or the type of house you want to buy - but the kind of person you want to be.

What are the values and morals that will guide you to become the person you want to be, everyday? What rules will you set for yourself and abide by with discipline to stay course in a positive, healthy direction? How will you practice integrity in a very reactive world?

Without a values compass, it is easy to make decisions that will steer you off course and in the opposite direction of the person you want to be.

Who you surround yourself with, you become.

We are all energy - constantly absorbing and giving it off to others. If you subject yourself to peers who are negative, insecure or destructive, it will affect you.

Regardless of your strength as an individual, you are not immune to a constant surrounding of negative energy or bad influence. Your friendships, just like everything in your life, need updating.

They need to be reassessed from time to time to determine if they are still working in your life.

Set yourself up so when life throws a curveball at you, you aren't completely wiped off your feet.

You will lose your job. You will have your heart broken.

The person you admired will disappoint you. You will experience losing someone special. You will fall. And you will get up. Life's curveballs are inevitable, therefore position yourself so that the 'getting up' part is not so crippling.

Save enough so that when you do lose your job you have some breathing room financially. Have balance, your own hobbies and independence, so if you break up you haven't lost your entire sense of self.

It's never a healthy scenario if you let one external variable be responsible for most of your happiness and security. Don't let any one thing be your everything.