Why Your Financial Resolutions Don’t Stick (and What to Do About It)

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Ah, New Year’s resolutions—those optimistic promises we make to ourselves somewhere between the champagne toast and the first January hangover. Among the classics like “go to the gym” and “stop doom-scrolling,” sits a big one: “Get my finances in order.”

This resolution often sounds so promising, doesn’t it? You picture yourself sipping margaritas on a beach, debt-free, with a robust investment portfolio humming in the background. But fast forward a few months (or weeks), and instead of margaritas, you’re sipping lukewarm coffee, wondering why you still haven’t saved for that emergency fund.

So why do financial resolutions fail faster than your willpower at an all-you-can-eat buffet? Let’s dive in.