Roger Ferguson, C.E.O of TIAA-CREF, the retirement services provider, is a huge believer in personal responsibility. So am I! The first thing I do with a new client or business is to make sure they own everything in their lives regardless of how difficult that might be. Our parents and early environment may shape who we were but what we become rests upon taking ownership of who we are, our strengths, weaknesses and all the rest. Determining to change what we don’t like and develop ourselves by constantly learning and growing is how will become what we want.