By Robert Pagliarini,
Tribune Media Services
Regardless of who you are, where you live, how much you make or even your education, your life is on a certain path — similar to a train on a track. You know there are going to be twists and turns, ups and downs, but you can easily figure out where you’ll end up personally and professionally if you stay on your current track. For example, if you continue to save this amount, you’ll end up with this. If you continue to eat like this, you’ll end up like that. If you continue to talk to your spouse like this, well, you get the gist. The hard part isn’t so much determining the future; the hard part is changing it.