My bank account and my to-do list are the best ways to determine if I'm an impulsive little twerp, and I would definitely put myself in that category. I get sudden ideas that I'd love to act on, and then I try hard to go for them. It's good in some respects, but when money's … Continue reading When you’re an impulsive little twerp, “Maybe next year” is more ambitious than it is a form of pessimistic procrastination.