Let’s be honest: most New Year’s resolutions don’t make it to Valentine’s Day.

So instead of pretending this year will be different, we’re drafting financial resolutions that actually survive real life.

In this episode, we run The Financial Resolution Draft—fantasy-football style—selecting the smartest, most realistic financial moves for three life stages: your 20s, your 40s with kids, and your 60s nearing retirement.

No vague goals. No financial TikTok nonsense. No personality changes required.

Just one system per life stage that reduces stress, works with the money you already make, and doesn’t fall apart the first time something goes wrong.

Because if your resolution needs motivation, it’s already dead.