Here’s hoping that 2007 will be as great as 2006 was.  For me personally, 2006 was the year I realized I needed to undergo a financial transformation, and I began the process.  I end the year with no outstanding credit card debt, I paid off my truck early, and I’m invested in a mutual fund.  I can’t imagine what 2007 will bring, but I hope that it will bring financial success to both me and to you.