Sometimes, we recognize our wins at the end of one year as we transition into the next; other times, we do this on our birthday, which may happen when a financial lightbulb goes off for us. No matter where you are, reflect on what worked, what didn't, why, and how to eliminate patterns that slowed your progress.

This episode is Sponsored by SmartyPig. SmartyPig is a free online piggy bank for people saving for financial goals like holiday gifts, vacations, and even retirement.