I've been saving this very wonderful birthday-card-of-sorts from the also-very-wonderful Liz for almost a year now, looking for just the right time to post it. Seeing as we're two days away from the end of this 20th year and our next (our 21st!) birthday, it certainly feels like a good time.
I know you'll be flooded this week with people asking for money from you. If your inbox has been anything like mine, you've already suffered through a solid week of targeted marketing landmines and nonstop sparkly coercions to spend money buying everything and anything on earth, no less.