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Money Rehab with Nicole Lapin

Science-Backed Financial New Year's Resolutions That Work

Money Rehab with Nicole Lapin

Money News Network

Self-improvement, Business, Education

4.61.7K Ratings

🗓️ 31 December 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

Every New Year, the same tired money resolutions rear their heads: “Make a budget,” “Save more,” “Track spending.” While those tips aren’t wrong, they’re also not going to change your financial life unless they’re backed by a strategy that actually works with your brain—not against it. In this episode, Nicole cuts through the noise and shares three New Year’s money resolutions that are rooted in behavioral science, psychology, and real research on human behavior. These aren’t just feel-good goals—they’re practical, proven shifts that will help you create lasting financial change without relying on willpower alone. All investing involves the risk of loss, including loss of principal. This podcast is for informational purposes only and does not constitute financial, investment, or legal advice. Always do your own research and consult a licensed financial advisor before making any financial decisions or investments. Paid endorsement. Brokerage services provided by Open to the Public Investing Inc, member FINRA & SIPC. Investing involves risk. Not investment advice. Generated Assets is an interactive analysis tool by Public Advisors. Output is for informational purposes only and is not an investment recommendation or advice. See disclosures at public.com/disclosures/ga. Past performance does not guarantee future results, and investment values may rise or fall. See terms of match program at https://public.com/disclosures/matchprogram. Matched funds must remain in your account for at least 5 years. Match rate and other terms are subject to change at any time.

Transcript

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0:00.0

I once interviewed the CEO of a credit bureau and he confessed that his assistant has a better

0:04.9

credit score than he does. Why? Because she's more organized. Yep, even the head of the credit

0:09.9

bureau can use a little help in the credit score department. If you can too, then listen up,

0:14.9

because Chime has a card that can help you do just that. Chime turns everyday spending into real

0:20.7

rewards and progress.

0:22.1

Not like old school banks that charge you overdraft and monthly fees, built for you not the 1%.

0:27.7

Imagine cashback and credit building with your own money finally on the same card. No annual fees,

0:32.7

no interest, and no strings attached. And when you get qualifying direct deposits, you get 1.5% cash back on eligible CHIM card purchases. Chime is not just smarter banking. It is the most rewarding way to bank. Join the millions who are already banking fee-free today. It just takes a few minutes to sign up. Head to chime.com slash MNN. That is chime.com slash MNN. Chime is a financial technology company, not a bank. Bank. Bank. Bank. And my pay line of credit provided by the Bankor Bank N.A. Or Stride Bank N.A. My pay eligibility requirements apply and credit limit ranges $20 to $500. Option. Seechime.com slash fees info. Advertised annual percentage yield with Chime Plus status only. Otherwise, 1.00% APY applies. No men balance required.

1:11.2

Chime card on time payment history may have a positive impact on your credit score. Results may vary. See Chime.com for details and applicable terms.

1:15.6

Since getting pregnant, I have been blown away by all the creative small businesses out there. From light as air baby blankets to brilliant products like those bibs that have food catchers at the bottom, so many women and families are

1:28.3

turning their passion or their problem into a business. If you've been thinking about becoming

1:33.3

an entrepreneur, this is your year. So many of those little businesses selling car seat

1:37.8

covers and baby socks use today's sponsor Square. And there's a great reason for that. Square makes

1:43.6

running a business easy so you can

1:45.4

focus on being creative. With Square, you can track sales, manage inventory, and access reports in

1:52.3

real time, whether you're in your shop, on the go, or running things solo. Remember, the goal is to get

1:59.2

paid for your creativity. And Square helps with that too.

2:02.9

Square works for one location shops, pop-ups, mobile service businesses, and multi-location franchises.

2:09.2

Take payments at a kiosk, counter, website, or with your phone, all synced in real time. So they

2:15.2

will be with you from selling at the farmer's market all the way to

2:18.2

opening your fourth location. And beyond. If you're on the fence, this is your year. Go out there and

2:24.4

turn your dream into a storefront. With Square, you get all the tools to run your business with

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