A recent Pew survey found that about a third of Americans kicked off 2025 with at least one resolution — and only 13% have completely given up a month in. Here are some innovative approaches to make your resolutions stick.

The “12 Mini-Resolutions” Approach

Instead of one overwhelming annual goal, set small goals for each month. For example: January — review your retirement contribution strategy. February — update your beneficiary designations. This breaks down big objectives into manageable monthly tasks.

Habit Stacking for Financial Success

Habit stacking links new habits to existing ones. A financial habit stack might look like: “As I pay my monthly bills, I will review my credit card statements. As I review my statements, I’ll identify which card has the highest interest rate and plan to pay more toward it.”

This technique works because your current habits are already wired into your daily routine — attaching new financial habits to them makes them far more likely to stick.