The entire workstation occupies about 30 square meters of rented factory space. No value is added while the part is being carried, conveyed, or admired in transit. Yet time passes. Labor is consumed.

Even most rocket scientists would rather avoid hard math when they don't have to do it. So when it comes to figuring out ...

Experts say you need to get specific, tap into your intrinsic motivations, and celebrate small wins to create financial resolutions you can adhere to.

After completing your single task (and taking a break to acknowledge your progress), you move to the next concrete action.