Every January, millions of people set ambitious New Year's resolutions, only to abandon them by February. Studies show that approximately 80% of resolutions fail by the second week of February. The problem isn't lack of willpower—it's the approach itself.
Traditional resolutions are often vague, all-or-nothing, and disconnected from our daily lives. Here are evidence-based alternatives that create lasting change.
A strategic, one-time 401(k) loan can be a smart financial move in specific situations. Here are five scenarios where it might make sense.
As autumn fades and winter settles in, the days grow noticeably shorter and the nights longer. This seasonal shift can affect our mood, energy levels, and overall wellbeing. But with intentional routines and self-care practices, you can not only survive the darker months but truly thrive during them.
The annual gift tax exclusion changes over the years. Here’s how to give generously, perhaps more than you think you are able to under the current tax law.
This time of year has a unique way of stirring up complex emotions. While autumn leaves fall and we move toward shorter days, there's something in the air that calls us to reflection and gratitude. Yet many of us find ourselves caught between genuine appreciation and the pressure to perform thankfulness. This season, perhaps more than ever, it's worth exploring what it truly means to be grateful—not just during designated moments, but as a practice that can transform how we experience life itself.
Decision fatigue is real, and it's expensive. Every choice we make depletes our mental energy, and by December, most of us are running on fumes. That's when we're most vulnerable to overspending and over-committing. Read on for a simple filter to help you navigate all of the activities of the holiday rush with intentionality and choice.
As we approach the 2025 holiday season, it’s easy to get caught up in the excitement—and expenses—of gift-giving, entertaining, and travel. Between family traditions, year-end generosity, and festive celebrations, holiday spending can creep up quickly. For individuals and families focused on long-term financial goals, it’s important to strike a balance between joy and financial discipline.
