Let’s just be clear upfront: New Year’s resolutions almost never work.
Their failure rate is so high, I’m half embarrassed to suggest one. I’ve yet to ever keep one myself; the success of this year’s attempt to avoid injuries by stretching after exercise can best be summed up by my midyear herniated disc.
One of the many reasons resolutions don’t work is that we get this intense urge to be a better person in early January, then a few weeks later we turn back into the person we really are. For me, that’s apparently someone too lazy to spend three minutes stretching.
But the resolution I’m going to propose doesn’t take yearlong willpower. It doesn’t even require that you save more, something that Americans surveyed by NerdWallet said they flat-out won’t do next year. It’s a one-time decision that you can implement during those few short weeks when you’re the best version of yourself: Switch to saving for retirement in a Roth IRA or Roth 401(k). Read more…
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1 simple New Year’s resolution for more retirement savings
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