This time of year, everyone is consumed with all of the endless things that need to be done for and before the holidays. But before we wrap this year up in a big red bow, we're focusing on the theme  Reflect. This month we challenge you to take 20 minutes to indulge in a reflection of the past year. Ask yourself: Am I happy with how I've spent my time? What lessons have I learned? Who and what am I grateful for? Give yourself permission to celebrate the accomplishments you've made, and to take a breath before starting again.  Then ask yourself: What top 3 concrete actions can I take to live the life I want to live next year? These can be as simple or as challenging as you choose, but they need to be things you're excited about - even if they're a little daunting. Once you reflect, you'll feel even better heading into the most wonderful time of the year!