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As New Year’s Day approaches every year, the first thing I do is ensure I have black-eyed peas on hand — so I can make Hoppin’ John, the traditional “good luck” dish of legumes and rice. Second, I review what I’ve learned over the past 12 months. As

FILE – The 2025 New Year’s Eve numerals are displayed in Times Square, on Dec. 18, 2024, in New York. (AP Photo/Julia Demaree Nikhinson, File) NEW YORK — With the end of 2024 around the corner, you might be reflecting on financial