The great Alabama coach “Bear” Bryant once said, “Defense wins championships,” and you can bet that almost every great coach in nearly every sport has shared that same philosophy. Just think about some of the great sports dynasties, teams that won championships year after year: the Green Bay Packers under Vince Lombardi, the Boston Celtics under “Red” Auerbach, or the Yankees under Joe Torre. The list could go on and on.

Year-End Financial Planning Checklist
Americans are notorious for overspending when the holiday season rolls around, and while that may be good for the economy in the short-term, it often