The new year is around the corner and that means that its time to start to think about your resolutions. It can certainly pay off. Those that made the resolutions said that nearly half have left dead and are in better financial shape than last year. Joining us now is ken. The Senior Vice President to talk about the top resolutions that people are making and keeping because its your money, your future. Thanks for joining us. So what are the top resolutions that people make, to save more . That tops the list again and in the past two years its save more, spend less and pay off debt. Its interesting that we started to serve coming out of the grave and then while spending less and paying off debt remain the top three, they were much much poplar out of the session. It was poplar seven years ago, and it was important. People are very focused on the savings. So are these resolutions that you would recommend and how do you get them done . So first of all we do believe that theres a hierarchy t