It can be daunting to transplant your life, so you are smart to take it step by step.

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So save smart: Stay out of debt so you can max out your retirement savings, which should give you more breathing room for enjoying life later on.

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The founder of the company, Mounir Shita, envisions a network of connected devices that use so-called smart software agents to track your friends, suggest food at a restaurant and even find someone to paint your house.

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You just had to be smart enough to make the right choices so that your money quadrupled overnight, then you quit.

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So, as a leader, think about this: if your people are smart, and if they do want to get great results, how can you engage them in creating an organization where they can do good, meaningful work every day?

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In its simplest form, it lets your "smart" electric meter talk back to the utility and record your usage by hour, so you can adjust your habits to take advantage of lower, off-peak rates.

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