One of the hardest things you'll ever do is alter your habits. Whether it's losing weight, quitting cigarettes, saving more or paying down debt, making big changes, especially over long periods of time, is exceedingly difficult.

According to one university study, of those making New Year's resolutions, 77% were successful in modifying their behavior for a week, but only 19% could keep it up for two years.

This comes as no surprise to those who have attempted to change our ways, which I assume is everyone.

Why is it so difficult to accomplish things we really want to do, like save more, spend less, drop a bad habit, pick up a good one or otherwise modify our behavior?

That's what this week's "Money!" podcast is about. We're going to give you every tip and trick we could find to help you create great goals and succeed in reaching them. And this is the perfect time to do it, now the year is well underway and those promises you made to yourself on New Year's Eve are starting to get hazy.

Let's get you refocused and back on track.

As usual, my co-host will be financial journalist Miranda Marquit. Listening in and sometimes contributing is producer and novice investor Aaron Freeman.

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