A good planning now for the coming year is good. Personally when I look back, I remember how I miss-managed my crypto due to my little knowledge over it. However I have started restrategizing on how to do better next year with the knowledge I get here on hive via reading content with consistent implementation by God's grace.
God has very little to do with it - otherwise most of the world would have what they want :)
Learning and experience helps a lot though :P