S.M.A.R.T. Financial Resolutions for the New Year

Every January, millions of people set fresh goals: eat healthier, exercise more, or get their finances in better shape. These are good and worthy aims. Yet studies consistently show that most resolutions fade within a few weeks. So if this is the year you want to steward money more wisely—get out of debt, save consistently, or live with greater margin—what actually helps habits last beyond January? The answer isn’t more motivation. It’s a better foundation.