If you make a New Year's resolution, and you don't follow through on it, what are the consequences? It all depends. If you vow to learn French, but you never get past "Oui, mademoiselle," your life will probably go on pretty much as before (unless, of course, you're now living in France). But if you make some financial resolutions, and you abandon them, you could fall short of your long-term goals - such as a comfortable retirement.
Consequently, you'll want to set reasonable and attainable financial resolutions - and then discipline yourself retirement plan - such as a 403(b) or 457(b) - take full advantage of it. Your earnings have the potential to achieve them.
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