It's a new year and nobody should have to listen to more mindless drivel about goal setting, resolutions, checklists, 10 things you need to do with a budget, and 18 things you can do in January to solve all your money troubles. Here's how you change your life and make it last.

LISTENER QUESTIONS:

IN THE BAND: I just paid off a credit card that had a balance of $4,000 for over 10 years (Jessica)

It’s 2021 and I've already maxed out HSA and Roth IRA. What next? (Andrew, Facebook)

What are your thoughts on Bitcoin (Pete, Facebook)

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Please send me your cat pictures.

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