Resolutions fade when they rely on motivation. In this episode, we trade hype for design, showing how to build a practical system that links sleep, budgeting, and automated savings into one durable routine for real wellness. Money stress touches everything—health, relationships, even the way we sleep—so we break the cycle by starting upstream and moving step by step toward financial clarity.

We begin with the surprising keystone habit: sleep. With enough rest, willpower matters less and better choices come easier, from skipping impulse buys to sticking with workouts. From there, we walk through a 30-day expense tracking sprint to reveal the truth about where your money goes, then turn that insight into a budget that actually matches your life. No shaming. No gimmicks. Just clear feedback loops and small, repeatable actions.

Then we shift to “financial fitness” thinking. Define your reps—monthly savings, a 401(k) bump, an extra debt payment—and automate them so progress happens on autopilot. Break the year into phases: eliminate high-interest debt in the first half, redirect those dollars into a Roth IRA or emergency fund in the second. Add an annual financial wellness review, the money version of a physical, and elevate accountability by writing a one-page mission you can revisit with an advisor or partner. Along the way, we challenge the comparison game and refocus on a personal plan that reduces stress and improves everyday wellbeing.

If you’re ready to replace fragile resolutions with a plan that works on your worst days, this conversation will give you the steps: sleep well, track honestly, automate relentlessly, review regularly, and ignore the noise.

Subscribe, share with a friend who needs a reset, and leave a quick review to tell us your first “rep” for the year!

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Disclosure: Information contained in this podcast is for entertainment and informational purposes only, and should not be considered as financial advice. Financial Planning and Advisory Services are offered through Prosperity Capital Advisors (“PCA”), an SEC registered investment adviser. Registration as an investment adviser does not imply a certain level of skill or training. Keystone Financial Group and PCA are separate, non- affiliated entities. PCA does not provide tax or legal advice.