Which tricky conversations do you need to have with a VIP in your life? Do have them, but don’t go into them angry. Rather, pluck up your courage and have the chat with a firm kindness. Also a very good time to review your finances from this year and, more importantly, decide what you need to do differently next year. Some short term pain for long term gain is required. * Applying discipline in 2024 can really change your life.