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The ability to bounce back after being financially sucker punched is a necessity in today's volatile financial climate. It's safe to say that at some point in your life, you are going to face a financial crisis.

You pay your credit card accounts on time each month. You never miss a mortgage payment. You haven't run up loads of debt. So why did your credit score suddenly drop 20 points?

You know the big reasons why your credit score might fall: late payments and a large amount of new credit card debt.

Are people always asking to pick your brain? Do you find yourself spending hours every week having coffee with people who want to learn how to do what you do, or fielding questions on social media? Helping others is great — but your time and expertise is valuable.

If you’re considering adopting a location-independent lifestyle, or you’re already a digital nomad, your electronic devices are critical to you being able to work while you travel.