the best intentions. june walbert is here to help keep you on track. a certified financial planner with usaa and lieutenant colonel in the army reserve. june, thank you very much for joining us, first of all. >> you're welcome. >> you say rather than committing to a -- >> yeah, you betcha -- >> sorry, let me -- we have a little delay. i apologize about that. i want to be polite and set you up properly and tell everyone that one of the things you're saying is that you should commit to a pile of resolutions on january 1, commit to just one resolution a month. why is that? >> big resolutions can really be daunting for some. and often they'll be put on the back burner within about a month or so. so why not eat that financial elephant one bite at a time. do some small things that you can accomplish easily and build momentum from there. but i must say there's some financial promises that you have to make and keep throughout the year like living within your