Buying a house, planning a big vacation, picking your retirement date … Most of us don't take these major financial decisions lightly. We build our lives one financial choice at a time, carefully considering the dollars and cents.

When it comes to making better choices about our health, the rules are pretty simple—eat better, move more. It's simple, but it isn't easy. Many people who find success with their personal health attribute it to establishing a doable routine. They don't abide by stringent rules, deprivation diets, and unsustainable exercise regimens. Instead, they make small changes to their lifestyle habits that add up to improved health over time.

Leap Day only happens once every four years. While you should be focusing on cleaning up your financial life more frequently than that (ideally going over your plan annually with your financial advisor), you can take advantage of this extra day in 2024 to motivate you.

Nobody told you how difficult budgeting could be. Balancing your bills, unexpected expenses, and various sources of income can be a cumbersome task, easy to push off or ignore entirely. But moving your budget to the back burner can lead to a vicious cycle of irregular tracking and inconsistent savings, which can put your long-term financial security at risk.

The new year symbolizes a clean slate. People often take the opportunity to create elaborate, and usually difficult-to-stick-with, New Year’s resolutions. As a business owner, I decided to come up with a list of simple resolutions to help fellow business owners prepare for a happy and successful year ahead. See if you can incorporate one – or all – of these easy and painless objectives:

If you’ve spent time thinking about your retirement budget, you may have tried to crunch the numbers to estimate the rate of return you’ll need to earn on your savings to get you through retirement.