2020 is a number that represents stability, organization and a cycle of sudden changes, says Singapore numerologist Gracy Yap and author of Secrets Of Golden Numbers.

Universal Year 4 is derived from the reduction of the number 2020 to a single digit (Universal Year No = 2 + 0 + 2 + 0 = 22 = 2 + 2 = 4).

The year is associated with the planet Uranus and we can expect to see new ideas, innovations, radical changes in finance, etc. She warns that Universal Year 4 will not be a social and fun year. This means that everyone must work hard and have a plan to achieve some measure of success.

Numerology advises people to be conservative when it comes to investments and not to take unreasonable risks. In numerology, the 4th is "a building number" and is not considered materially successful. So to make the year good along its course, you need to plan ahead with numerological and astrological knowledge.

Wake up your dormant potential

The year 2020 is the year of waking up and facing your fears! Number 20 is associated with the Tarot Trial or Renewal Card. In a Tarot reading, she explains, when the Judgment (or Renewal) card is displayed, it means that the person has reached an important stage in life and any choices or decisions he or she makes can have long-term effects. She advises: "Do an honest review and learn from the mistakes of the past and all parts of your life will fit together as a puzzle."

Numerologist Yap says that the year 2020 is also a year of healing old wounds, major changes and some life-changing decisions if you are at a crossroads. "That's because number 20 or 2 (2 is derived from 20 reduced to a single digit) is also about healing."

According to the ancient school of numerology, the year 2020 will bring clashes to the numbers 4 and 8.

If the result is one of these numbers, then you need to be aware that the year 2020 can bring challenges in the finance, relationships, health and career sectors.