Most people set a money goal in January and quit by the 14th (there's actually a stat for that). So Derek Mazzarella, CFP® and Kelly Turner are skipping the resolution and running a 30-Day Financial Reset you can start any time of year. One hour a week, four weeks, done.

No guilt. No punishment. No "cut out your coffee" nonsense. Just four simple moves that plug the leaks and point your money at what actually matters to you.

Here's the plan:

• Week 1: Get clear on your priorities and find every account you own (then actually label them)
• Week 2: Kill duplicate subscriptions and move idle cash into a high-yield savings account (currently paying around 3-4% for doing nothing)
• Week 3: Pull your full credit report, learn the debt snowball, and build a real payoff plan (we're not Dave Ramsey)
• Week 4: Audit your insurance (auto, life, disability, home) and get your estate documents in order

Plus how to "grow" once you free up cash, and permission to finally buy the watch (once the boring stuff is handled).

Chapters

• 00:00 Parenting and Summer Activities
• 05:09 Financial Reset and Budgeting
• 10:03 Reviewing Subscriptions and Bills
• 14:58 Debt Management and Credit Reports
• 15:50 Understanding Your Credit Score
• 16:29 Reviewing Your Credit Report
• 17:08 Managing Medical Debt
• 17:29 Improving Your Credit Score
• 18:20 Debt Snowballing
• 19:01 Debt Consolidation and Refinancing
• 22:25 Insurance and Protection
• 28:04 Estate Planning and Final Wishes
• 29:31 Financial Growth and Investment