Every January, millions of people make New Year’s resolutions with the best of intentions. They vow to lose weight, exercise more, or get their finances in order. Yet, by February, most resolutions have fizzled out. Studies show that 80% of resolutions fail before the year even reaches March. So why does this happen? And more importantly, how can middle-aged married couples set financial goals that actually stick?

The answer lies in shifting from quick fixes to sustainable habits. Financial success, like good health, doesn’t come from crash diets or one-time changes. It’s about crafting a plan tailored to your unique situation and sticking to it consistently.

Let’s dive into why resolutions fail and how you can create financial goals that will help you and your spouse thrive—not just in January but all year long.

Why Most New Year’s Resolutions Fail

Think of New Year’s resolutions like crash diets. You start strong and full of enthusiasm, but eventually, the restrictions or unrealistic expectations wear you down. The same thing happens with financial resolutions.

Here are the three main reasons resolutions fail:

How to Set Financial Goals That Actually SticK

Why This Matters for Middle-Aged Couples

Middle age is a pivotal time for financial planning. You’re juggling competing priorities—raising kids, caring for aging parents, and preparing for retirement. Setting goals together as a couple ensures you’re working as a team, not at cross-purposes.

Think of it like running a hospital department: You need clear communication, shared objectives, and a plan for emergencies. By setting SMART goals and following through, you’ll create financial stability and peace of mind.

Forget Quick Fixes—Focus on the Long Game

Financial success isn’t about quick fixes or overnight transformations. It’s about creating a roadmap that works for you and your spouse and committing to the journey. Remember, small, consistent steps are more effective than grand, unsustainable gestures.

As you enter the New Year, ditch the vague resolutions and focus on actionable financial goals that align with your values. By treating your finances like a patient in need of long-term care, you’ll set yourself up for a healthier, wealthier future.

This year, make a resolution you’ll actually keep: building the financial life you and your family deserve. And if you need guidance along the way, don’t hesitate to reach out to a financial planner who can help you turn those goals into reality.

Partnering with Outside The Box Financial Planning (OTBFP) offers numerous benefits for individuals seeking college planning, retirement planning, small business support, wealth management, and beyond.  As a fee-only fiduciary with a comprehensive approach, unbiased advice,  and transparent fee structure, OTBFP acts as a trusted advisor who prioritizes your best interests. Click here to schedule a complimentary “Fit” meeting to determine if we would make a good mutual fit.

Remember, financial decisions have long-lasting implications, and working with a professional like the financial professionals of Outside The Box Financial Planning can provide the expertise and guidance necessary to make informed choices that align with your financial aspirations.