We kick off 2017 the same way we kick off most new years—with resolutions. I think it is human nature to overreach on trying to improve ourselves, especially when we take our families into consideration. In 2011 I attempted to improve my family’s financial situation. I made some spending changes, liquidated some belongings on an online auction. But then my take-home pay was cut by my employer and any footing I gained was quickly lost. The next year, I set my goal low—to reduce coffee consumption