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Hey nerds welcome to nerd wallet smart money podcast where we answer your money questions in 15 minutes or less.

I'm your host, Sean Piles.

This episode, I'm joined by the lovely Kim Palmer.

Hi, Sean.

Hey, Kim, I'm so happy to finally have you on the show.

I'm so happy to be here.

Well, I'm going to put you to work, so I hope you're ready.

To start, can you please read this episode's question?

Let's do it. This episode's question comes from Leslie in Indiana. She asks, it's that time of year

again, New Year's resolution season. Every year, I make a New Year's money resolution and every year I fail to achieve it.

In 2020, I really want to pay off my debt and keep my resolution, but I'm not

sure how. What advice do you have to help me keep my money resolution? I'm so glad Leslie asked us

this question because it's something that we hear a lot this time of year. People want to set big

money goals for 2020 and make sure they accomplish them. And it's that second part, the actually

accomplishing the resolution, that's really tricky. You're right. I think it's something that all

of us can relate to, even if the specific money goal that we're talking about is different. We at

...