Most people's New Year's resolutions fall apart by spring — research says the average resolution lasts about 3.74 months, and we're right at that tipping point. So let's get honest about how behavior — not just the calendar — shapes the path, and why it's so easy to talk ourselves out of the dreams that matter most. Many of the limits we put on our financial lives aren't handed down by a judge. Instead, they're stories we've told ourselves that we've never really questioned.

I walk through why the things you've been dreaming about (a four-day workweek, that big annual trip, a career shift) might not be a money problem at all, but a decision problem, and how running the numbers on trade-offs can change the whole picture.

Key moments:

(06:22) Reframing the things you think you "can't" change

(08:13) What dropping to a four-day workweek actually does to your long-term retirement projections

(12:47) Why making one big change beats a thousand tiny cuts in your budget or career

(20:23) The hidden cost of staying stuck: trading time, clarity, or happiness without realizing it

Resources mentioned:

• Meditations for Mortals

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