This year, get specific with your financial resolutions. Explore Wealthfront's Guide to Financial Health and learn how to take small steps to reach bigger goals — whether it’s optimizing your cash savings, building sound investing habits, or finally paying down your debt.

Now is the perfect time to set intentions for the upcoming year. Unfortunately, 92% of people never achieve the resolutions they set. The reason? Big goals can often feel daunting and unapproachable, and therefore unattainable.

The best way to beat the statistics is to get specific with your goals and outline actionable steps toward achieving them. “Get my finances in order” is too abstract and difficult to commit to, but actionable steps — like “understand the value of a 401(k) retirement account” or “refinance my outstanding loans” — can help you stay committed throughout the year.

This all sounds great in theory, but can require a lot of research, time, and effort. To make it manageable, we created a guide that helps you get specific with your financial resolutions and take small steps to reach bigger goals.

Wealthfront’s Guide to Financial Health features the most common financial questions we hear from clients:

  • How should I react when the market drops?
  • Am I on track for the future I want?
  • How do I get started with investing?
  • Is contributing to a 401(k) enough to cover my retirement?
  • How should I tackle paying down my debt?
  • What should I do with my cash savings?

For each question, we break down the underlying concept and give you three easy-to-follow steps. For example, if you’re trying to tackle your debt this year, we explain (1) how interest rates work; (2) the trade-off between paying down debt or saving money; and (3) why you should consider refinancing your loans.

Cheers to improving your financial health this year!

Explore Wealthfront's Guide to Financial Health

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About the author(s)

The Wealthfront Team believes everyone deserves access to sophisticated financial advice. The team includes Certified Financial Planners (CFPs), Chartered Financial Analysts (CFAs), a Certified Public Accountant (CPA), and individuals with Series 7 and Series 66 registrations from FINRA. Collectively, the Wealthfront Team has decades of experience helping people build secure and rewarding financial lives. View all posts by The Wealthfront Team